BlastPoint's Credit Union Scorecard

MEMBERS PLUS

Charter #66706 · MA

100M-500M

1024 CUs in 100M-500M nationally 32 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
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.38% below tier average
- Efficiency ratio 40.34% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 1.4% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
Shares and deposits +5.6% year over year ($285M in shares and deposits).
Membership: 13,688 members, -0.8% vs a year ago.
Delinquency rate 0.87%.
Return on assets 0.48%.
Efficiency ratio 117.07% vs a 76.73% peer average.
Loan-to-share ratio 58.63% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	13,688 -0.8% YoY+0.0% QoQ	-1.5K	15,168 -2.6% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	53%
Assets	$349.0M +1.4% YoY-2.1% QoQ	+$117.0M	$232.0M +0.7% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	82%
Loans	$166.9M -6.7% YoY-2.2% QoQ	+$20.6M	$146.3M +0.2% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	67%
Deposits	$284.7M +5.6% YoY-0.2% QoQ	+$84.0M	$200.7M +0.2% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	79%

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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% +176.9% YoY-190.3% QoQ	-0.4%	0.9% +12.5% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	27%
NIM	2.1% -6.7% YoY+1.8% QoQ	-1.6%	3.7% +4.5% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 1.3% in tier
Efficiency Ratio	117.1% +31.0% YoY-1.0% QoQ	+40.3%	76.7% -0.8% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Bottom 0.3% in tier
Delinquency Rate	0.9% +1.1% YoY+13.2% QoQ	+0.0	0.9% +6.6% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	61%
Loan To Share	58.6% -11.7% YoY-2.1% QoQ	-12.9%	71.5% -0.3% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	24%
AMR	$32,992 +1.4% YoY-1.0% QoQ	+$8K	$25,107 +3.2% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	Top 13.3% in tier
CD Concentration	31.9% +17.3% YoY+6.4% QoQ	+7.3%	24.6%	25.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#248 of 262 • 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): 1.45%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $3.6K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY

Concerns (5)

Efficiency Drag

risk

#32 of 531 • 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: 117.07%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.31% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -0.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Stagnation Risk

risk

#261 of 549 • 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): -0.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.71%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.87%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#118 of 230 • 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: $348.98M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -0.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.71%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Membership Headwinds

decline

#496 of 549 • 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): -0.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Quality Pressure

risk

#662 of 693 • 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): 0.01% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

136

Average Member Relationship (AMR)

engagement

Value: $32,992

Peer Median: $23,006

#136 of 1024 Top 13.2% in 100M-500M tier

189

Total Assets

balance_sheet

Value: $348.98M

Peer Median: $196.38M

#189 of 1024 Top 18.4% in 100M-500M tier

215

Total Deposits

balance_sheet

Value: $284.69M

Peer Median: $170.77M

#215 of 1024 Top 20.9% in 100M-500M tier

220

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.34%

#220 of 1024 Top 21.4% in 100M-500M tier

250

Loan-to-Member Ratio (LMR)

engagement

Value: $12,193

Peer Median: $9,434

#250 of 1024 Top 24.3% in 100M-500M tier

Top Weaknesses (7 metrics)

1022

Efficiency Ratio

profitability

Value: 117.07%

Peer Median: 77.26%

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1011

Net Interest Margin (NIM)

profitability

Value: 2.12%

Peer Median: 3.67%

#1011 of 1024 Bottom 1.4% in 100M-500M tier

982

First Mortgage Concentration (%)

balance_sheet

Value: 64.91%

Peer Median: 29.92%

#982 of 1024 Bottom 4.2% in 100M-500M tier

967

Loan Growth Rate

growth

Value: -6.71%

Peer Median: 3.02%

#967 of 1024 Bottom 5.7% in 100M-500M tier

961

Fee Income Per Member

profitability

Value: $73.60

Peer Median: $159.88

#961 of 1024 Bottom 6.2% in 100M-500M tier

782

Share Certificate Concentration (%)

balance_sheet

Value: 31.89%

Peer Median: 23.39%

#782 of 1024 Bottom 23.7% in 100M-500M tier

780

Loan-to-Share Ratio

balance_sheet

Value: 58.63%

Peer Median: 73.07%

#780 of 1024 Bottom 23.9% in 100M-500M tier