BlastPoint's Credit Union Scorecard

MTCU

Charter #67642 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

MTCU has 4 strengths but faces 8 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.73% above tier average
+ Fee Income Per Member: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 0.62% below tier average
- Efficiency ratio 16.17% above tier (higher cost structure)
- Delinquency rate 0.12% above tier average
- Members Per Employee (MPE): Bottom 7.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	7,306 +1.3% YoY+0.8% QoQ	-7.8K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Bottom 13.5% in tier
Assets	$136.2M -0.1% YoY+1.0% QoQ	$-95.5M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	24%
Loans	$86.2M +9.0% YoY+0.9% QoQ	$-58.0M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	27%
Deposits	$120.5M -1.7% YoY+1.1% QoQ	$-80.6M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	25%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -123.4% YoY-68.0% QoQ	-0.6%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 11.7% in tier
NIM	4.4% -5.1% YoY-7.7% QoQ	+0.7%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 12.6% in tier
Efficiency Ratio	94.2% +5.4% YoY+9.6% QoQ	+16.2%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 7.2% in tier
Delinquency Rate	0.9% +95.6% YoY+179.5% QoQ	+0.1	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	70%
Loan To Share	71.5% +10.8% YoY-0.2% QoQ	+1.1%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	50%
AMR	$28,285 +1.2% YoY+0.3% QoQ	+$3K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	75%
CD Concentration	12.4% +17.1% YoY-0.2% QoQ	-11.8%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#287 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#332 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.11%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#61 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.98%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.44% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#147 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.44% points

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

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#153 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.19%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.59% points

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

but better than tier avg

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Deposit Outflow

decline

#57 of 72 • Bottom 50.0% 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): -1.69%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.28%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $338.95

Peer Median: $154.95

#29 of 1070 Top 2.6% in 100M-500M tier

135

Net Interest Margin (NIM)

profitability

Value: 4.36%

Peer Median: 3.62%

#135 of 1070 Top 12.5% in 100M-500M tier

165

Share Certificate Concentration (%)

balance_sheet

Value: 12.44%

Peer Median: 23.10%

#165 of 1070 Top 15.3% in 100M-500M tier

221

Loan Growth Rate

growth

Value: 8.98%

Peer Median: 2.93%

#221 of 1070 Top 20.6% in 100M-500M tier

266

Average Member Relationship (AMR)

engagement

Value: $28,285

Peer Median: $22,931

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (8 metrics)

994

Efficiency Ratio

profitability

Value: 94.19%

Peer Median: 78.68%

#994 of 1070 Bottom 7.2% in 100M-500M tier

990

Members Per Employee (MPE)

engagement

Value: 214.882

Peer Median: 309.176

#990 of 1070 Bottom 7.6% in 100M-500M tier

948

Deposit Growth Rate

growth

Value: -1.69%

Peer Median: 3.30%

#948 of 1070 Bottom 11.5% in 100M-500M tier

945

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: 0.69%

#945 of 1070 Bottom 11.8% in 100M-500M tier

926

Total Members

engagement

Value: 7,306

Peer Median: 13,200

#926 of 1070 Bottom 13.6% in 100M-500M tier

888

Asset Growth Rate

growth

Value: -0.08%

Peer Median: 3.91%

#888 of 1070 Bottom 17.1% in 100M-500M tier

815

Total Assets

balance_sheet

Value: $136.22M

Peer Median: $196.57M

#815 of 1070 Bottom 23.9% in 100M-500M tier

807

Total Deposits

balance_sheet

Value: $120.50M

Peer Median: $171.29M

#807 of 1070 Bottom 24.7% in 100M-500M tier