BlastPoint's Credit Union Scorecard
MEMBERS PREFERRED
Charter #82547 · ID
MEMBERS PREFERRED has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.63% above tier average
- + Net Interest Margin 1.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Fee Income Per Member: Top 2.3% in tier
- + Loan Growth Rate: Top 8.1% in tier
- + Member Growth Rate: Top 9.7% in tier
- + Total Loans: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,332
+3.2% YoY+3.5% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$58.1M
+4.5% YoY+4.4% QoQ
|
+$28.0M |
$30.1M
+2.1% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$40.8M
+12.1% YoY+5.2% QoQ
|
+$25.1M |
$15.8M
-1.3% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 9.7% in tier |
| Deposits |
$45.9M
+2.7% YoY+4.9% QoQ
|
+$20.2M |
$25.7M
+1.4% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
2.3%
-14.2% YoY-6.6% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
Top 4.5% in tier |
| NIM |
5.6%
-0.1% YoY-3.6% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
Top 6.2% in tier |
| Efficiency Ratio |
41.0%
+3.2% YoY+1.8% QoQ
|
-41.5% |
82.6%
-2.3% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
1.2%
+25.4% YoY+56.3% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
89.1%
+9.2% YoY+0.3% QoQ
|
+28.5% |
60.6%
-3.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Top 10.8% in tier |
| AMR |
$20,013
+3.6% YoY+1.5% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
32.8%
-6.6% YoY-8.8% QoQ
|
+8.4% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.9% | 7.8% | 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)