BlastPoint's Credit Union Scorecard

MEMBERS PLUS

Charter #66706 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

MEMBERS PLUS has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 1.26% below tier average
- Efficiency ratio 40.18% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 1.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	13,687 -0.6% YoY+0.2% QoQ	-1.5K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	52%
Assets	$356.4M +5.8% YoY+4.5% QoQ	+$124.7M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	83%
Loans	$170.7M -6.2% YoY-2.7% QoQ	+$26.6M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	68%
Deposits	$285.2M +8.2% YoY+6.1% QoQ	+$84.1M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.5% +58.6% YoY+770.5% QoQ	-1.3%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	Bottom 2.8% in tier
NIM	2.1% -10.6% YoY-7.4% QoQ	-1.5%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 1.4% in tier
Efficiency Ratio	118.2% +8.3% YoY+19.8% QoQ	+40.2%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 0.7% in tier
Delinquency Rate	0.8% +3.6% YoY+20.7% QoQ	+0.0	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	62%
Loan To Share	59.9% -13.3% YoY-8.3% QoQ	-10.6%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	26%
AMR	$33,315 +2.9% YoY+2.4% QoQ	+$8K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 12.1% in tier
CD Concentration	30.0% +12.0% YoY+7.4% QoQ	+5.7%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#196 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.94%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#9 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 118.21%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.60%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#296 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.60%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.20%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.76%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#146 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $356.44M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -0.60%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.20%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Credit Quality Pressure

risk

#643 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Membership Headwinds

decline

#555 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.60%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

129

Average Member Relationship (AMR)

engagement

Value: $33,315

Peer Median: $22,931

#129 of 1070 Top 12.0% in 100M-500M tier

170

Deposit Growth Rate

growth

Value: 8.22%

Peer Median: 3.30%

#170 of 1070 Top 15.8% in 100M-500M tier

184

Total Assets

balance_sheet

Value: $356.44M

Peer Median: $196.57M

#184 of 1070 Top 17.1% in 100M-500M tier

222

Loan-to-Member Ratio (LMR)

engagement

Value: $12,474

Peer Median: $9,356

#222 of 1070 Top 20.7% in 100M-500M tier

233

Total Deposits

balance_sheet

Value: $285.25M

Peer Median: $171.29M

#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1063

Efficiency Ratio

profitability

Value: 118.21%

Peer Median: 78.68%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

1055

Net Interest Margin (NIM)

profitability

Value: 2.08%

Peer Median: 3.62%

#1055 of 1070 Bottom 1.5% in 100M-500M tier

1040

Return on Assets (ROA)

profitability

Value: -0.53%

Peer Median: 0.69%

#1040 of 1070 Bottom 2.9% in 100M-500M tier

1028

First Mortgage Concentration (%)

balance_sheet

Value: 64.99%

Peer Median: 29.47%

#1028 of 1070 Bottom 4.0% in 100M-500M tier

993

Loan Growth Rate

growth

Value: -6.20%

Peer Median: 2.93%

#993 of 1070 Bottom 7.3% in 100M-500M tier

991

Fee Income Per Member

profitability

Value: $71.59

Peer Median: $154.95

#991 of 1070 Bottom 7.5% in 100M-500M tier