BlastPoint's Credit Union Scorecard
MEMBERS
Charter #68487 · CT
MEMBERS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.76% above tier average
- + Loan-to-Share Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.98% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 9.5% in tier
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,056
+2.4% YoY+0.6% QoQ
|
+1.4K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$43.9M
-6.7% YoY+1.0% QoQ
|
+$13.7M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$37.5M
+1.8% YoY+1.7% QoQ
|
+$22.2M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
Top 11.6% in tier |
| Deposits |
$38.4M
-8.1% YoY+1.6% QoQ
|
+$12.6M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
0.4%
-45.1% YoY-49.2% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
4.8%
+1.3% YoY-5.2% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
92.6%
+13.3% YoY+13.4% QoQ
|
+2.0% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.9%
-24.7% YoY-4.0% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
97.7%
+10.7% YoY+0.1% QoQ
|
+39.1% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Top 4.0% in tier |
| AMR |
$18,711
-5.8% YoY+1.1% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
9.9%
-18.5% YoY-3.8% QoQ
|
-14.4% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)