BlastPoint's Credit Union Scorecard

MUTUAL SECURITY

Charter #68479 · CT

1077 CUs in 100M-500M nationally 16 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

+ Loan-to-Share Ratio: Top 2.6% in tier
+ Total Loans: Top 4.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.1% in tier
- Liquidity Strain: Bottom 13.0% in tier
- Credit Quality Pressure: Bottom 19.7% in tier
- Membership Headwinds: Bottom 20.7% in tier
- Stagnation Risk: Bottom 26.3% in tier
- Indirect Auto Dependency: Bottom 30.4% in tier
- Flatlined Growth: Bottom 49.5% in tier
- ROA 0.48% below tier average
- Efficiency ratio 10.68% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	26,388 -1.8% YoY-0.2% QoQ	+10.8K	15,628 -3.4% YoY	13,754 +3.9% YoY	33,089 +6.1% YoY	Top 10.7% in tier
Assets	$358.8M +1.4% YoY-0.8% QoQ	+$127.5M	$231.3M -0.0% YoY	$223.0M +8.2% YoY	$547.7M +7.8% YoY	83%
Loans	$315.2M +0.4% YoY+0.9% QoQ	+$167.4M	$147.8M -1.4% YoY	$129.0M +9.8% YoY	$388.7M +8.6% YoY	Top 4.6% in tier
Deposits	$315.7M +0.9% YoY-1.1% QoQ	+$115.4M	$200.3M -0.0% YoY	$195.5M +7.9% YoY	$464.6M +9.3% 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	0.3% -10.0% YoY-23.2% QoQ	-0.5%	0.8% +15.5% YoY	0.4% -140.5% YoY	0.7% +273.4% YoY	19%
NIM	3.5% +10.8% YoY+1.2% QoQ	-0.1%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	46%
Efficiency Ratio	88.0% +0.6% YoY+2.3% QoQ	+10.7%	77.3% -3.0% YoY	85.8% +0.7% YoY	79.1% -3.3% YoY	Top 14.8% in tier
Delinquency Rate	0.4% +29.5% YoY+14.9% QoQ	-0.4	0.9% +7.6% YoY	1.2% +0.2% YoY	1.2% -0.9% YoY	32%
Loan To Share	99.9% -0.5% YoY+2.0% QoQ	+27.2%	72.7% -1.5% YoY	56.5% +1.7% YoY	68.0% -1.7% YoY	Top 2.7% in tier
AMR	$23,909 +2.5% YoY+0.1% QoQ	$-454	$24,363 +2.9% YoY	$16,763 +4.9% YoY	$19,418 +1.3% YoY	60%
CD Concentration	27.1% -0.9% YoY+2.1% QoQ	+2.7%	24.4% +4.2% YoY	14.4% +16.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.9% -16.1% YoY-3.1% QoQ	+1.9%	14.0% -5.7% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Efficiency Drag

risk

#74 of 521 • Bottom 4.1% in tier

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

Why This Signature

Efficiency Ratio: 87.96%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.85%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk

#102 of 258 • Bottom 13.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.86%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 0.42%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#487 of 736 • Bottom 19.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline

#341 of 550 • Bottom 20.7% in tier

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

Why This Signature

Member Growth (YoY): -1.85%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#434 of 550 • Bottom 26.3% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.85%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.42%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.44%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY

Indirect Auto Dependency

risk

#489 of 525 • Bottom 30.4% in tier

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

Why This Signature

Asset Growth (YoY): 1.40%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 15.89%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.85%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Flatlined Growth

risk

#52 of 58 • Bottom 49.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.40%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.31%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | 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 1077 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 99.86%

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

Total Loans

balance_sheet

Value: $315.24M

Peer Avg: -

#50 of 1077 Top 4.5% in 100M-500M tier

115

Total Members

engagement

Value: 26,388

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

167

Total Deposits

balance_sheet

Value: $315.67M

Peer Avg: -

#167 of 1077 Top 15.4% in 100M-500M tier

180

Total Assets

balance_sheet

Value: $358.77M

Peer Avg: -

#180 of 1077 Top 16.6% in 100M-500M tier

260

Loan-to-Member Ratio (LMR)

engagement

Value: $11,946

Peer Avg: -

#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (4 metrics)

994

First Mortgage Concentration (%)

balance_sheet

Value: 56.68%

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

927

Net Worth Ratio

risk

Value: 9.08%

Peer Avg: -

#927 of 1077 Bottom 14.0% in 100M-500M tier

919

Efficiency Ratio

profitability

Value: 87.96%

Peer Avg: -

#919 of 1077 Bottom 14.8% in 100M-500M tier

873

Return on Assets (ROA)

profitability

Value: 0.31%

Peer Avg: -

#873 of 1077 Bottom 19.0% in 100M-500M tier