BlastPoint's Credit Union Scorecard
MTCU
Charter #67642 · TX
MTCU has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.8% in tier
- - Deposit Outflow: Bottom 80.0% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 12.83% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 8.1% in tier
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,224
-0.2% YoY+0.5% QoQ
|
-8.4K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 12.1% in tier |
| Assets |
$135.0M
-0.7% YoY+0.1% QoQ
|
$-96.3M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$82.8M
+3.7% YoY+2.3% QoQ
|
$-65.0M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$120.3M
-2.0% YoY-0.4% QoQ
|
$-80.0M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
0.1%
-76.8% YoY-126.5% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.3% in tier |
| NIM |
4.6%
+2.0% YoY+0.9% QoQ
|
+1.0% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 6.9% in tier |
| Efficiency Ratio |
90.1%
+10.3% YoY-0.2% QoQ
|
+12.8% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
0.4%
-58.8% YoY-12.3% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
68.8%
+5.8% YoY+2.8% QoQ
|
-3.9% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$28,113
+0.4% YoY+0.2% QoQ
|
+$4K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
12.1%
+4.4% YoY+7.0% QoQ
|
-12.3% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)