BlastPoint's Credit Union Scorecard

MUTUAL SECURITY

Charter #68479 · CT

1069 CUs in 100M-500M nationally 13 in CT

MUTUAL SECURITY has 2 strengths but faces 10 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Loans: Top 5.6% in tier
+ Loan-to-Share Ratio: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 8.2% in tier
- Credit Quality Pressure: Bottom 57.7% in tier
- Liquidity Strain: Bottom 65.6% in tier
- Stagnation Risk: Bottom 79.9% in tier
- Institutional Decline: Bottom 80.3% in tier
- Membership Headwinds: Bottom 87.5% in tier
- Indirect Auto Dependency: Bottom 96.4% in tier
- ROA 0.38% below tier average
- Efficiency ratio 9.28% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	26,402 -1.0% YoY+0.1% QoQ	+11.0K	15,437 -2.9% YoY	14,275 +6.6% YoY	33,374 +5.7% YoY	Top 10.3% in tier
Assets	$362.5M +2.1% YoY+1.0% QoQ	+$130.7M	$231.9M +1.3% YoY	$241.1M +14.1% YoY	$561.6M +9.7% YoY	84%
Loans	$306.7M -1.7% YoY-2.7% QoQ	+$159.3M	$147.3M -0.1% YoY	$136.5M +14.4% YoY	$397.0M +8.8% YoY	Top 5.7% in tier
Deposits	$318.9M +1.7% YoY+1.0% QoQ	+$118.1M	$200.8M +0.8% YoY	$211.2M +13.7% YoY	$477.3M +9.7% YoY	84%

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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	0.4% +8.0% YoY+25.8% QoQ	-0.4%	0.8% +18.2% YoY	0.6% +43.4% YoY	0.7% +15.9% YoY	24%
NIM	3.6% +10.3% YoY+0.8% QoQ	-0.1%	3.6% +6.7% YoY	3.6% +1.8% YoY	3.8% +5.1% YoY	47%
Efficiency Ratio	86.3% -1.0% YoY-1.9% QoQ	+9.3%	77.0% -3.1% YoY	81.1% -1.3% YoY	79.7% -3.3% YoY	81%
Delinquency Rate	0.4% +60.0% YoY+0.9% QoQ	-0.5	0.9% +4.2% YoY	1.5% +7.3% YoY	1.3% -2.1% YoY	28%
Loan To Share	96.2% -3.3% YoY-3.7% QoQ	+23.9%	72.2% -1.1% YoY	54.6% -1.8% YoY	67.4% -1.7% YoY	Top 5.7% in tier
AMR	$23,694 +1.0% YoY-0.9% QoQ	$-982	$24,676 +3.4% YoY	$17,243 +6.0% YoY	$19,687 +2.0% YoY	56%
CD Concentration	26.3% -2.1% YoY-3.0% QoQ	+1.9%	24.4%	14.6%	19.8%	50%
Indirect Auto %	15.0% -16.6% YoY-5.3% QoQ	+1.3%	13.8%	4.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Efficiency Drag

risk

#45 of 538 • Bottom 8.2% in tier

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

Why This Signature

Efficiency Ratio: 86.30%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.03% points

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

worse than tier avg

Member Growth (YoY): -1.00%

(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

Credit Quality Pressure

risk

#407 of 705 • Bottom 57.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% 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 | New qualifier

Liquidity Strain

risk

#150 of 228 • Bottom 65.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.17%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -1.71%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Stagnation Risk

risk

#443 of 554 • Bottom 79.9% 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): -1.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.71%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.44%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

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

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

Institutional Decline

decline

#193 of 240 • Bottom 80.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $362.52M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -1.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.71%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline

#485 of 554 • Bottom 87.5% in tier

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

Why This Signature

Member Growth (YoY): -1.00%

(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

Indirect Auto Dependency

risk

#488 of 506 • Bottom 96.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.13%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 15.04%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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 (5 metrics)

Total Loans

balance_sheet

Value: $306.67M

Peer Median: -

#61 of 1069 Top 5.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.17%

Peer Median: -

#61 of 1069 Top 5.6% in 100M-500M tier

110

Total Members

engagement

Value: 26,402

Peer Median: -

#110 of 1069 Top 10.2% in 100M-500M tier

168

Total Deposits

balance_sheet

Value: $318.90M

Peer Median: -

#168 of 1069 Top 15.6% in 100M-500M tier

171

Total Assets

balance_sheet

Value: $362.52M

Peer Median: -

#171 of 1069 Top 15.9% in 100M-500M tier

Top Weaknesses (5 metrics)

966

First Mortgage Concentration (%)

balance_sheet

Value: 54.60%

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

904

Net Worth Ratio

risk

Value: 9.14%

Peer Median: -

#904 of 1069 Bottom 15.5% in 100M-500M tier

870

Efficiency Ratio

profitability

Value: 86.30%

Peer Median: -

#870 of 1069 Bottom 18.7% in 100M-500M tier

814

Return on Assets (ROA)

profitability

Value: 0.39%

Peer Median: -

#814 of 1069 Bottom 23.9% in 100M-500M tier

812

Loan Growth Rate

growth

Value: -1.71%

Peer Median: -

#812 of 1069 Bottom 24.1% in 100M-500M tier