BlastPoint's Credit Union Scorecard

MEMBERS CHOICE

Charter #67508 · TX

Community 500M-750M

167 CUs in 500M-750M nationally 14 in TX

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MEMBERS CHOICE has 4 strengths but faces 8 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 0.51% above tier average
+ Loan-to-Share Ratio: Top 6.6% in tier
+ Total Assets: Top 8.4% in tier
+ Total Loans: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.3% in tier
- Credit Quality Pressure: Bottom 20.6% in tier
- Efficiency Drag: Bottom 33.7% in tier
- Credit Risk Growth: Bottom 55.4% in tier
- Deposit Outflow: Bottom 90.0% in tier
- ROA 0.52% below tier average
- Efficiency ratio 4.53% above tier (higher cost structure)
- Asset Growth Rate: Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	46,947 -0.3% YoY+1.0% QoQ	+8.9K	38,079 -4.8% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	84%
Assets	$728.0M -6.1% YoY+0.4% QoQ	+$108.3M	$619.7M -0.2% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 9.0% in tier
Loans	$554.5M +2.3% YoY+0.6% QoQ	+$135.2M	$419.3M -1.4% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 9.0% in tier
Deposits	$583.4M -1.9% YoY+5.0% QoQ	+$43.9M	$539.5M -0.1% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	72%

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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% -34.5% YoY-33.8% QoQ	-0.5%	0.7% +36.0% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	16%
NIM	4.0% +13.8% YoY+4.4% QoQ	+0.5%	3.5% +4.5% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 15.0% in tier
Efficiency Ratio	82.9% +6.0% YoY+3.0% QoQ	+4.5%	78.4% -3.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.7% +61.6% YoY-31.4% QoQ	+0.0	0.7% -0.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	57%
Loan To Share	95.0% +4.3% YoY-4.3% QoQ	+17.4%	77.7% -1.2% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 7.2% in tier
AMR	$24,237 +0.4% YoY+1.8% QoQ	$-3K	$26,927 +3.1% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	43%
CD Concentration	28.0% +13.1% YoY-0.9% QoQ	+3.7%	24.3%	21.3%	19.8%	65%
Indirect Auto %	11.5% +14.3% YoY+6.9% QoQ	-2.3%	13.8%	6.9%	7.7%	56%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#151 of 596 • Bottom 33.7% in tier

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

Why This Signature

Efficiency Ratio: 82.91%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.09% points

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

worse than tier avg

Member Growth (YoY): -0.27%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Deposit Outflow

decline

#23 of 72 • Bottom 90.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.86%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): -0.27%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 284 Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Credit Quality Pressure

risk

#275 of 727 • Bottom 20.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

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

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Liquidity Strain

risk

#95 of 183 • Bottom 5.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.05%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.33%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Credit Risk Growth

risk

#315 of 476 • Bottom 55.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.33%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

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

worse than tier avg

710 nationally

→ No prior data (476 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 167 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 95.05%

Peer Median: 79.97%

#12 of 167 Top 6.6% in 500M-750M tier

Total Assets

balance_sheet

Value: $727.98M

Peer Median: $619.16M

#15 of 167 Top 8.4% in 500M-750M tier

Total Loans

balance_sheet

Value: $554.48M

Peer Median: $427.27M

#15 of 167 Top 8.4% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.98%

Peer Median: 3.48%

#25 of 167 Top 14.4% in 500M-750M tier

Total Members

engagement

Value: 46,947

Peer Median: 36,874

#26 of 167 Top 15.0% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 391.225

Peer Median: 318.730

#30 of 167 Top 17.4% in 500M-750M tier

Top Weaknesses (6 metrics)

162

Asset Growth Rate

growth

Value: -6.06%

Peer Median: 4.66%

#162 of 167 Bottom 3.6% in 500M-750M tier

155

Deposit Growth Rate

growth

Value: -1.86%

Peer Median: 4.02%

#155 of 167 Bottom 7.8% in 500M-750M tier

151

Net Worth Ratio

risk

Value: 8.32%

Peer Median: 10.35%

#151 of 167 Bottom 10.2% in 500M-750M tier

144

Net Charge-Off Rate

risk

Value: 0.88%

Peer Median: 0.39%

#144 of 167 Bottom 14.4% in 500M-750M tier

141

Return on Assets (ROA)

profitability

Value: 0.17%

Peer Median: 0.61%

#141 of 167 Bottom 16.2% in 500M-750M tier

134

AMR Growth Rate

growth

Value: 0.40%

Peer Median: 4.03%

#134 of 167 Bottom 20.4% in 500M-750M tier