BlastPoint's Credit Union Scorecard
MTCU
Charter #67642 · TX
MTCU has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Net Interest Margin 1.12% above tier average
- + Fee Income Per Member: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 8.91% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 7.3% in tier
- - Deposit Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,251
+0.6% YoY+0.4% QoQ
|
-8.2K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.4% in tier |
| Assets |
$134.8M
-0.1% YoY-0.1% QoQ
|
$-97.0M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$85.4M
+6.4% YoY+3.1% QoQ
|
$-61.9M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$119.2M
-2.1% YoY-0.9% QoQ
|
$-81.6M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.3%
+160.6% YoY+137.5% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
4.7%
+3.9% YoY+2.1% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
85.9%
+3.4% YoY-4.6% QoQ
|
+8.9% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.3%
-49.5% YoY-24.5% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
71.7%
+8.8% YoY+4.1% QoQ
|
-0.6% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$28,215
+0.7% YoY+0.4% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
12.5%
+11.0% YoY+3.3% QoQ
|
-12.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)