BlastPoint's Credit Union Scorecard
MEMBERS PREFERRED
Charter #82547 · ID
MEMBERS PREFERRED has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.73% above tier average
- + Net Interest Margin 1.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.2% in tier
- + Fee Income Per Member: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,187
-4.1% YoY-1.1% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$55.7M
+1.9% YoY+0.9% QoQ
|
+$25.9M |
$29.9M
+1.1% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$38.8M
+5.2% YoY+5.2% QoQ
|
+$23.1M |
$15.8M
-2.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
Top 11.2% in tier |
| Deposits |
$43.7M
-0.6% YoY+0.3% QoQ
|
+$18.2M |
$25.5M
+0.4% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
2.4%
-11.5% YoY+3.4% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
Top 4.4% in tier |
| NIM |
5.8%
+4.2% YoY+0.8% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
40.3%
+1.6% YoY+0.9% QoQ
|
-41.1% |
81.4%
-2.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate |
0.7%
-34.0% YoY-39.5% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
88.8%
+5.9% YoY+4.9% QoQ
|
+27.6% |
61.2%
-3.0% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
Top 12.3% in tier |
| AMR |
$19,707
+6.5% YoY+3.6% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
35.9%
+3.5% YoY+0.5% QoQ
|
+11.5% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)