BlastPoint's Credit Union Scorecard
MEMBERS CHOICE
Charter #67508 · TX
MEMBERS CHOICE has 4 strengths but faces 13 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Total Assets: Top 7.3% in tier
- + Loan-to-Share Ratio: Top 7.3% in tier
- + Total Loans: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 47.6% in tier
- - Efficiency Drag: Bottom 50.3% in tier
- - Stagnation Risk: Bottom 62.9% in tier
- - Credit Quality Pressure: Bottom 66.8% in tier
- - Shrinking Wallet Share: Bottom 73.4% in tier
- - Accelerating Exit Risk: Bottom 78.2% in tier
- - Membership Headwinds: Bottom 81.6% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 2.98% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Deposit Growth Rate: Bottom 4.8% in tier
- - Asset Growth Rate: Bottom 5.5% in tier
- - Net Worth Ratio: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,480
-1.2% YoY+0.8% QoQ
|
+7.9K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$725.4M
-5.4% YoY-0.3% QoQ
|
+$103.7M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 7.9% in tier |
| Loans |
$551.4M
-0.0% YoY+0.1% QoQ
|
+$121.6M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 10.3% in tier |
| Deposits |
$555.4M
-5.2% YoY+0.3% QoQ
|
+$16.7M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
0.3%
+30.2% YoY+5.2% QoQ
|
-0.4% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.8%
+18.2% YoY+2.4% QoQ
|
+0.4% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
80.5%
-0.1% YoY-1.5% QoQ
|
+3.0% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.0%
+13.8% YoY+4.0% QoQ
|
+0.1 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
99.3%
+5.5% YoY-0.2% QoQ
|
+19.4% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 7.9% in tier |
| AMR |
$23,812
-1.5% YoY-0.7% QoQ
|
$-3K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
28.3%
+13.0% YoY+0.1% QoQ
|
+3.9% | 24.4% | 21.2% | 19.8% | 65% |
| Indirect Auto % |
10.8%
+0.7% YoY+6.1% QoQ
|
-3.0% | 13.8% | 7.1% | 7.8% | 55% |
Signature Analysis
Strengths (0)
Concerns (7)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)