BlastPoint's Credit Union Scorecard
MEMBERS CHOICE
Charter #67508 · TX
MEMBERS CHOICE has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 35.5% in tier
- + Net Interest Margin 0.48% above tier average
- + Total Loans: Top 8.5% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.0% in tier
- - Efficiency Drag: Bottom 31.2% in tier
- - Stagnation Risk: Bottom 61.4% in tier
- - Membership Headwinds: Bottom 61.4% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 6.01% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.5% in tier
- - Asset Growth Rate: Bottom 6.1% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits +4.3% year over year ($585M in shares and deposits).
- Membership: 45,762 members, -0.7% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 0.15%.
- Efficiency ratio 82.57% vs a 76.56% peer average.
- Loan-to-share ratio 96.75% vs a 79.33% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,762
-0.7% YoY-2.5% QoQ
|
+7.9K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$720.9M
-3.1% YoY-1.0% QoQ
|
+$98.5M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 13.3% in tier |
| Loans |
$565.7M
+4.8% YoY+2.0% QoQ
|
+$137.2M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 9.1% in tier |
| Deposits |
$584.7M
+4.3% YoY+0.2% QoQ
|
+$45.0M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
73% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-41.1% YoY-10.7% QoQ
|
-0.7% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.5% in tier |
| NIM |
4.0%
+12.7% YoY+0.9% QoQ
|
+0.5% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
82.6%
+2.1% YoY-0.4% QoQ
|
+6.0% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.8%
-27.3% YoY+14.4% QoQ
|
+0.0 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
96.7%
+0.5% YoY+1.8% QoQ
|
+17.4% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 9.7% in tier |
| AMR |
$25,140
+5.3% YoY+3.7% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
29.1%
+8.1% YoY+4.0% QoQ
|
+4.6% | 24.6% | 21.6% | 20.0% | 68% |
| Indirect Auto % |
12.0%
+18.2% YoY+4.0% QoQ
|
-1.7% | 13.6% | 6.9% | 7.7% | 57% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)