BlastPoint's Credit Union Scorecard

MUTUAL SECURITY

Charter #68479 · CT

100M-500M

1024 CUs in 100M-500M nationally 13 in CT

MUTUAL SECURITY has 2 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Loans: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.56% below tier average
- Efficiency ratio 10.71% above tier (higher cost structure)
- Member decline: -5.0% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in Connecticut.
Shares and deposits +6.8% year over year ($341M in shares and deposits).
Membership: 25,130 members, -5.0% vs a year ago.
Delinquency rate 0.37%.
Return on assets 0.30%.
Efficiency ratio 87.44% vs a 76.73% peer average.
Loan-to-share ratio 90.40% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	25,130 -5.0% YoY-4.6% QoQ	+10.0K	15,168 -2.6% YoY	14,203 +5.8% YoY	34,678 +6.6% YoY	Top 12.2% in tier
Assets	$385.4M +6.5% YoY+1.7% QoQ	+$153.4M	$232.0M +0.7% YoY	$248.5M +12.0% YoY	$593.1M +10.2% YoY	Top 13.1% in tier
Loans	$308.2M -1.3% YoY-0.4% QoQ	+$162.0M	$146.3M +0.2% YoY	$139.3M +11.4% YoY	$418.6M +10.1% YoY	Top 5.5% in tier
Deposits	$341.0M +6.8% YoY+1.8% QoQ	+$140.2M	$200.7M +0.2% YoY	$217.7M +11.5% YoY	$504.8M +10.3% YoY	Top 11.5% in tier

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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% -23.9% YoY+10.6% QoQ	-0.6%	0.9% +12.5% YoY	1.1% +193.3% YoY	1.2% +121.4% YoY	Bottom 14.6% in tier
NIM	3.6% +2.4% YoY+1.7% QoQ	-0.1%	3.7% +4.5% YoY	3.6% -1.0% YoY	3.8% +2.3% YoY	43%
Efficiency Ratio	87.4% +1.7% YoY-0.3% QoQ	+10.7%	76.7% -0.8% YoY	90.9% -27.8% YoY	83.0% -5.3% YoY	82%
Delinquency Rate	0.4% -3.2% YoY-16.0% QoQ	-0.5	0.9% +6.6% YoY	1.4% +21.8% YoY	1.3% +2.6% YoY	25%
Loan To Share	90.4% -7.6% YoY-2.2% QoQ	+18.9%	71.5% -0.3% YoY	53.6% -1.6% YoY	66.4% -1.4% YoY	Top 14.6% in tier
AMR	$25,833 +8.1% YoY+5.6% QoQ	+$726	$25,107 +3.2% YoY	$17,514 +4.9% YoY	$20,028 -0.9% YoY	64%
CD Concentration	27.3% +2.9% YoY-1.1% QoQ	+2.7%	24.6%	14.9%	20.0%	50%
Indirect Auto %	13.3% -19.1% YoY-4.9% QoQ	-0.4%	13.6%	4.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#197 of 483 • 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): 8.14%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#126 of 549 • 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): -4.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Stagnation Risk

risk

#177 of 549 • 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): -4.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.34%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.37%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#84 of 230 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $385.44M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -4.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.34%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Efficiency Drag

risk

#219 of 531 • 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: 87.44%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -4.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Liquidity Strain

risk

#223 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.40%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -1.34%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 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 1024 peers in tier

Top Strengths (9 metrics)

Total Loans

balance_sheet

Value: $308.23M

Peer Median: $124.04M

#56 of 1024 Top 5.4% in 100M-500M tier

118

Total Deposits

balance_sheet

Value: $340.95M

Peer Median: $170.77M

#118 of 1024 Top 11.4% in 100M-500M tier

125

Total Members

engagement

Value: 25,130

Peer Median: 13,128

#125 of 1024 Top 12.1% in 100M-500M tier

134

Total Assets

balance_sheet

Value: $385.44M

Peer Median: $196.38M

#134 of 1024 Top 13.0% in 100M-500M tier

150

Loan-to-Share Ratio

balance_sheet

Value: 90.40%

Peer Median: 73.07%

#150 of 1024 Top 14.6% in 100M-500M tier

151

AMR Growth Rate

growth

Value: 8.14%

Peer Median: 3.53%

#151 of 1024 Top 14.6% in 100M-500M tier

229

Deposit Growth Rate

growth

Value: 6.79%

Peer Median: 3.58%

#229 of 1024 Top 22.3% in 100M-500M tier

246

Loan-to-Member Ratio (LMR)

engagement

Value: $12,265

Peer Median: $9,434

#246 of 1024 Top 23.9% in 100M-500M tier

257

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Median: 0.71%

#257 of 1024 Top 25.0% in 100M-500M tier

Top Weaknesses (6 metrics)

942

Net Worth Ratio

risk

Value: 8.69%

Peer Median: 11.71%

#942 of 1024 Bottom 8.1% in 100M-500M tier

926

First Mortgage Concentration (%)

balance_sheet

Value: 54.92%

Peer Median: 29.92%

#926 of 1024 Bottom 9.7% in 100M-500M tier

923

Member Growth Rate

growth

Value: -4.97%

Peer Median: -0.03%

#923 of 1024 Bottom 10.0% in 100M-500M tier

874

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.75%

#874 of 1024 Bottom 14.7% in 100M-500M tier

846

Efficiency Ratio

profitability

Value: 87.44%

Peer Median: 77.26%

#846 of 1024 Bottom 17.5% in 100M-500M tier

774

Loan Growth Rate

growth

Value: -1.34%

Peer Median: 3.02%

#774 of 1024 Bottom 24.5% in 100M-500M tier