BlastPoint's Credit Union Scorecard

MEMBERS CHOICE

Charter #67508 · TX

Community 500M-750M

169 CUs in 500M-750M nationally 16 in TX

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MEMBERS CHOICE has 3 strengths but faces 14 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.30% above tier average
+ Loan-to-Share Ratio: Top 7.7% in tier
+ Total Assets: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 8.8% in tier
- Credit Quality Pressure: Bottom 13.8% in tier
- Shrinking Wallet Share: Bottom 14.8% in tier
- Liquidity Strain: Bottom 15.5% in tier
- Institutional Decline: Bottom 17.2% in tier
- Membership Headwinds: Bottom 17.7% in tier
- Efficiency Drag: Bottom 21.9% in tier
- Stagnation Risk: Bottom 25.5% in tier
- ROA 0.42% below tier average
- Efficiency ratio 3.64% above tier (higher cost structure)
- Delinquency rate 0.14% above tier average
- Member decline: -2.3% YoY
- Deposit Growth Rate: Bottom 3.0% in tier
- Asset Growth Rate: Bottom 4.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	46,097 -2.3% YoY-0.0% QoQ	+6.3K	39,752 -2.7% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	76%
Assets	$727.7M -6.8% YoY-2.2% QoQ	+$105.3M	$622.4M +0.3% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	Top 9.5% in tier
Loans	$551.0M -2.0% YoY+2.1% QoQ	+$115.1M	$435.9M -0.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	Top 11.8% in tier
Deposits	$553.9M -6.7% YoY-1.2% QoQ	+$15.8M	$538.0M +1.3% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	59%

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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	0.2% +314.8% YoY-5.2% QoQ	-0.4%	0.7% +33.9% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	21%
NIM	3.7% +13.9% YoY+4.6% QoQ	+0.3%	3.4% +8.6% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	73%
Efficiency Ratio	81.7% -0.5% YoY+1.1% QoQ	+3.6%	78.1% -3.4% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	68%
Delinquency Rate	0.9% +29.6% YoY-11.0% QoQ	+0.1	0.8% -4.9% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	70%
Loan To Share	99.5% +5.0% YoY+3.3% QoQ	+18.5%	81.0% -1.8% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	Top 8.3% in tier
AMR	$23,969 -2.1% YoY+0.4% QoQ	$-3K	$26,482 +2.6% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	44%
CD Concentration	28.2% -0.2% YoY+4.8% QoQ	+3.8%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	65%
Indirect Auto %	10.1% -11.1% YoY+0.2% QoQ	-3.8%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	54%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Accelerating Exit Risk

decline

#24 of 58 • Bottom 8.8% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -2.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -2.12%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 281 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Credit Quality Pressure

risk

#342 of 736 • Bottom 13.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#148 of 244 • Bottom 14.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.12%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Strain

risk

#121 of 258 • Bottom 15.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.49%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -2.02%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Institutional Decline

decline

#136 of 256 • Bottom 17.2% in tier

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

Why This Signature

Total Assets: $727.68M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -2.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.02%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline

#292 of 550 • Bottom 17.7% in tier

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

Why This Signature

Member Growth (YoY): -2.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk

#387 of 521 • Bottom 21.9% in tier

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

Why This Signature

Efficiency Ratio: 81.74%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -2.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk

#420 of 550 • Bottom 25.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.02%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.94%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 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 169 peers in tier

Top Strengths (5 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 99.49%

Peer Avg: -

#14 of 169 Top 7.7% in 500M-750M tier

Total Assets

balance_sheet

Value: $727.68M

Peer Avg: -

#16 of 169 Top 8.9% in 500M-750M tier

Total Loans

balance_sheet

Value: $551.04M

Peer Avg: -

#20 of 169 Top 11.2% in 500M-750M tier

Total Members

engagement

Value: 46,097

Peer Avg: -

#40 of 169 Top 23.1% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 384.142

Peer Avg: -

#42 of 169 Top 24.3% in 500M-750M tier

Top Weaknesses (9 metrics)

165

Deposit Growth Rate

growth

Value: -6.68%

Peer Avg: -

#165 of 169 Bottom 3.0% in 500M-750M tier

162

Asset Growth Rate

growth

Value: -6.79%

Peer Avg: -

#162 of 169 Bottom 4.7% in 500M-750M tier

153

Net Worth Ratio

risk

Value: 8.35%

Peer Avg: -

#153 of 169 Bottom 10.1% in 500M-750M tier

148

AMR Growth Rate

growth

Value: -2.12%

Peer Avg: -

#148 of 169 Bottom 13.0% in 500M-750M tier

142

Net Charge-Off Rate

risk

Value: 0.91%

Peer Avg: -

#142 of 169 Bottom 16.6% in 500M-750M tier

141

Member Growth Rate

growth

Value: -2.35%

Peer Avg: -

#141 of 169 Bottom 17.2% in 500M-750M tier

138

Fee Income Per Member

profitability

Value: $138.41

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier

138

Loan Growth Rate

growth

Value: -2.02%

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier

133

Return on Assets (ROA)

profitability

Value: 0.24%

Peer Avg: -

#133 of 169 Bottom 21.9% in 500M-750M tier