BlastPoint's Credit Union Scorecard

MUTUAL SECURITY

Charter #68479 · CT

100M-500M

1070 CUs in 100M-500M nationally 13 in CT

MUTUAL SECURITY has 3 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

+ Total Loans: Top 5.0% in tier
+ Loan-to-Share Ratio: Top 7.3% in tier
+ Total Members: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.45% below tier average
- Efficiency ratio 9.71% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	26,354 -0.5% YoY-0.2% QoQ	+11.2K	15,145 -2.5% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	Top 9.9% in tier
Assets	$379.1M +6.5% YoY+4.6% QoQ	+$147.4M	$231.7M +0.8% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	Top 13.8% in tier
Loans	$309.6M +0.2% YoY+1.0% QoQ	+$165.5M	$144.1M +0.2% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	Top 5.1% in tier
Deposits	$335.1M +6.8% YoY+5.1% QoQ	+$133.9M	$201.1M +0.4% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	Top 12.6% 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% -32.9% YoY-28.8% QoQ	-0.5%	0.7% +5.1% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	21%
NIM	3.5% +1.7% YoY-1.2% QoQ	-0.1%	3.6% +4.6% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	87.7% +1.8% YoY+1.7% QoQ	+9.7%	78.0% -1.7% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	0.4% +2.6% YoY-0.6% QoQ	-0.3	0.8% +7.1% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	35%
Loan To Share	92.4% -6.2% YoY-3.9% QoQ	+22.0%	70.4% -0.4% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	Top 7.4% in tier
AMR	$24,462 +4.1% YoY+3.2% QoQ	$-457	$24,918 +2.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	58%
CD Concentration	27.6% +3.7% YoY+5.0% QoQ	+3.3%	24.3%	14.5%	19.8%	50%
Indirect Auto %	13.9% -18.7% YoY-7.4% QoQ	+0.1%	13.8%	4.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#73 of 596 • 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: 87.74%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Liquidity Strain

risk

#152 of 183 • 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: 92.40%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 0.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Stagnation Risk

risk

#490 of 570 • 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): -0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.44%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#692 of 727 • 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): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Membership Headwinds

decline

#564 of 570 • 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): -0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $309.61M

Peer Median: $121.41M

#55 of 1070 Top 5.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.40%

Peer Median: 71.88%

#79 of 1070 Top 7.3% in 100M-500M tier

106

Total Members

engagement

Value: 26,354

Peer Median: 13,200

#106 of 1070 Top 9.8% in 100M-500M tier

135

Total Deposits

balance_sheet

Value: $335.06M

Peer Median: $171.29M

#135 of 1070 Top 12.5% in 100M-500M tier

148

Total Assets

balance_sheet

Value: $379.10M

Peer Median: $196.57M

#148 of 1070 Top 13.7% in 100M-500M tier

247

Deposit Growth Rate

growth

Value: 6.83%

Peer Median: 3.30%

#247 of 1070 Top 23.0% in 100M-500M tier

Top Weaknesses (4 metrics)

968

First Mortgage Concentration (%)

balance_sheet

Value: 54.71%

Peer Median: 29.47%

#968 of 1070 Bottom 9.6% in 100M-500M tier

940

Net Worth Ratio

risk

Value: 8.86%

Peer Median: 11.45%

#940 of 1070 Bottom 12.2% in 100M-500M tier

849

Efficiency Ratio

profitability

Value: 87.74%

Peer Median: 78.68%

#849 of 1070 Bottom 20.7% in 100M-500M tier

847

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: 0.69%

#847 of 1070 Bottom 20.9% in 100M-500M tier