BlastPoint's Credit Union Scorecard

METRO MEDICAL

Charter #67517 · TX

<100M

2556 CUs in <100M nationally 243 in TX

METRO MEDICAL has 4 strengths but faces 2 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.57% above tier average
+ Total Assets: Top 6.8% in tier
+ Total Deposits: Top 8.1% in tier
+ Total Members: Top 8.1% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.2% YoY
- Indirect Auto Concentration (%): Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	6,216 -2.2% YoY+0.6% QoQ	+3.6K	2,615 -1.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Top 8.2% in tier
Assets	$82.0M -1.3% YoY+0.2% QoQ	+$51.9M	$30.1M +2.1% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	Top 6.9% in tier
Loans	$25.9M -12.8% YoY-1.7% QoQ	+$10.1M	$15.8M -1.3% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	78%
Deposits	$67.6M -2.7% YoY+0.2% QoQ	+$41.9M	$25.7M +1.4% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	Top 8.1% in tier

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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	1.2% +22.8% YoY+6.5% QoQ	+0.6%	0.6% +10.8% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	74%
NIM	3.5% +26.2% YoY+1.0% QoQ	-0.4%	4.0% +4.0% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	36%
Efficiency Ratio	70.1% -6.6% YoY-1.7% QoQ	-12.5%	82.6% -2.3% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	27%
Delinquency Rate	0.9% +111.0% YoY-0.8% QoQ	-0.7	1.6% -3.1% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	55%
Loan To Share	38.3% -10.4% YoY-1.8% QoQ	-22.3%	60.6% -3.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	18%
AMR	$15,045 -3.6% YoY-1.0% QoQ	+$262	$14,783 -1.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	57%
CD Concentration	8.2% +12.4% YoY+3.3% QoQ	-16.2%	24.4%	21.2%	19.8%	50%
Indirect Auto %	8.7% -24.1% YoY-9.8% QoQ	-5.1%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (6 metrics)

176

Total Assets

balance_sheet

Value: $82.03M

Peer Median: -

#176 of 2556 Top 6.8% in <100M tier

208

Total Deposits

balance_sheet

Value: $67.62M

Peer Median: -

#208 of 2556 Top 8.1% in <100M tier

209

Total Members

engagement

Value: 6,216

Peer Median: -

#209 of 2556 Top 8.1% in <100M tier

435

Members Per Employee (MPE)

engagement

Value: 478.154

Peer Median: -

#435 of 2556 Top 17.0% in <100M tier

480

Fee Income Per Member

profitability

Value: $135.58

Peer Median: -

#480 of 2556 Top 18.7% in <100M tier

566

Total Loans

balance_sheet

Value: $25.89M

Peer Median: -

#566 of 2556 Top 22.1% in <100M tier

Top Weaknesses (4 metrics)

2314

Indirect Auto Concentration (%)

balance_sheet

Value: 8.70%

Peer Median: -

#2314 of 2556 Bottom 9.5% in <100M tier

2191

Loan Growth Rate

growth

Value: -12.81%

Peer Median: -

#2191 of 2556 Bottom 14.3% in <100M tier

2103

Loan-to-Share Ratio

balance_sheet

Value: 38.29%

Peer Median: -

#2103 of 2556 Bottom 17.8% in <100M tier

2018

AMR Growth Rate

growth

Value: -3.58%

Peer Median: -

#2018 of 2556 Bottom 21.1% in <100M tier