BlastPoint's Credit Union Scorecard

MEMBERS ADVANTAGE

Charter #68242 · IN

100M-500M

1069 CUs in 100M-500M nationally 19 in IN

MEMBERS ADVANTAGE has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.46% below tier average
- Efficiency ratio 11.72% above tier (higher cost structure)
- Delinquency rate 0.49% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	7,821 -2.8% YoY-0.8% QoQ	-7.6K	15,437 -2.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	15%
Assets	$130.8M +6.2% YoY+1.0% QoQ	$-101.1M	$231.9M +1.3% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	21%
Loans	$53.9M +1.1% YoY+2.4% QoQ	$-93.4M	$147.3M -0.1% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	Bottom 6.7% in tier
Deposits	$119.1M +5.2% YoY+0.9% QoQ	$-81.7M	$200.8M +0.8% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	24%

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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	0.3% +114.3% YoY+12.8% QoQ	-0.5%	0.8% +18.2% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	18%
NIM	2.8% +8.8% YoY+1.1% QoQ	-0.8%	3.6% +6.7% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	Bottom 10.4% in tier
Efficiency Ratio	88.7% -6.5% YoY-1.0% QoQ	+11.7%	77.0% -3.1% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	Bottom 12.3% in tier
Delinquency Rate	1.4% +43.0% YoY+3.3% QoQ	+0.5	0.9% +4.2% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	83%
Loan To Share	45.3% -3.9% YoY+1.6% QoQ	-27.0%	72.2% -1.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	Bottom 6.7% in tier
AMR	$22,116 +6.9% YoY+2.2% QoQ	$-3K	$24,676 +3.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	47%
CD Concentration	20.5% +15.2% YoY-1.3% QoQ	-3.9%	24.4%	19.3%	19.8%	50%
Indirect Auto %	13.4% +30.3% YoY+39.2% QoQ	-0.4%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#326 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.88%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#162 of 705 • 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): 0.41% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk

#145 of 538 • 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: 88.73%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -2.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Stagnation Risk

risk

#206 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.05%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.38%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#269 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#287 of 456 • 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): 1.05%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.41% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 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 1069 peers in tier

Top Strengths (2 metrics)

128

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: -

#128 of 1069 Top 11.9% in 100M-500M tier

258

AMR Growth Rate

growth

Value: 6.88%

Peer Median: -

#258 of 1069 Top 24.0% in 100M-500M tier

Top Weaknesses (12 metrics)

997

Total Loans

balance_sheet

Value: $53.90M

Peer Median: -

#997 of 1069 Bottom 6.8% in 100M-500M tier

997

Loan-to-Share Ratio

balance_sheet

Value: 45.27%

Peer Median: -

#997 of 1069 Bottom 6.8% in 100M-500M tier

958

Net Interest Margin (NIM)

profitability

Value: 2.76%

Peer Median: -

#958 of 1069 Bottom 10.5% in 100M-500M tier

938

Efficiency Ratio

profitability

Value: 88.73%

Peer Median: -

#938 of 1069 Bottom 12.3% in 100M-500M tier

903

Total Members

engagement

Value: 7,821

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

886

Total Delinquency Rate (60+ days)

risk

Value: 1.38%

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier

873

Return on Assets (ROA)

profitability

Value: 0.31%

Peer Median: -

#873 of 1069 Bottom 18.4% in 100M-500M tier

872

Net Worth Ratio

risk

Value: 9.35%

Peer Median: -

#872 of 1069 Bottom 18.5% in 100M-500M tier

850

Member Growth Rate

growth

Value: -2.84%

Peer Median: -

#850 of 1069 Bottom 20.6% in 100M-500M tier

847

Total Assets

balance_sheet

Value: $130.78M

Peer Median: -

#847 of 1069 Bottom 20.9% in 100M-500M tier