BlastPoint's Credit Union Scorecard

MY

Charter #68545 · TX

<100M

2556 CUs in <100M nationally 243 in TX

MY has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.31% above tier average
+ Net Interest Margin 0.75% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.4% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	5,404 -3.4% YoY-0.3% QoQ	+2.8K	2,615 -1.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Top 11.7% in tier
Assets	$55.2M +1.8% YoY-1.5% QoQ	+$25.1M	$30.1M +2.1% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	80%
Loans	$29.0M +2.1% YoY-2.4% QoQ	+$13.2M	$15.8M -1.3% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	81%
Deposits	$47.7M +0.9% YoY-2.9% QoQ	+$22.0M	$25.7M +1.4% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	80%

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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	0.9% -35.9% YoY-2.6% QoQ	+0.3%	0.6% +10.8% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	62%
NIM	4.7% -4.8% YoY+2.4% QoQ	+0.7%	4.0% +4.0% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	79%
Efficiency Ratio	80.3% +7.0% YoY+2.6% QoQ	-2.3%	82.6% -2.3% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	51%
Delinquency Rate	0.4% -56.9% YoY-28.9% QoQ	-1.2	1.6% -3.1% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	34%
Loan To Share	60.8% +1.2% YoY+0.5% QoQ	+0.2%	60.6% -3.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	50%
AMR	$14,179 +4.9% YoY-2.4% QoQ	$-604	$14,783 -1.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	52%
CD Concentration	13.9% +6.6% YoY-1.8% QoQ	-10.5%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

298

Total Members

engagement

Value: 5,404

Peer Median: -

#298 of 2556 Top 11.6% in <100M tier

481

Total Loans

balance_sheet

Value: $28.97M

Peer Median: -

#481 of 2556 Top 18.8% in <100M tier

502

Total Deposits

balance_sheet

Value: $47.66M

Peer Median: -

#502 of 2556 Top 19.6% in <100M tier

510

Total Assets

balance_sheet

Value: $55.24M

Peer Median: -

#510 of 2556 Top 19.9% in <100M tier

528

Net Interest Margin (NIM)

profitability

Value: 4.70%

Peer Median: -

#528 of 2556 Top 20.6% in <100M tier

552

Fee Income Per Member

profitability

Value: $128.28

Peer Median: -

#552 of 2556 Top 21.6% in <100M tier

Top Weaknesses (3 metrics)

1992

Net Charge-Off Rate

risk

Value: 0.74%

Peer Median: -

#1992 of 2556 Bottom 22.1% in <100M tier

1980

Members Per Employee (MPE)

engagement

Value: 234.957

Peer Median: -

#1980 of 2556 Bottom 22.6% in <100M tier

1925

First Mortgage Concentration (%)

balance_sheet

Value: 26.22%

Peer Median: -

#1925 of 2556 Bottom 24.7% in <100M tier