BlastPoint's Credit Union Scorecard

MERITUS

Charter #9643 · LA

100M-500M

1069 CUs in 100M-500M nationally 21 in LA

MERITUS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.59% below tier average
- Efficiency ratio 13.26% above tier (higher cost structure)
- Member decline: -4.8% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	23,537 -4.8% YoY-0.4% QoQ	+8.1K	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	85%
Assets	$244.8M +1.6% YoY+0.4% QoQ	+$12.9M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	62%
Loans	$160.7M +1.4% YoY+1.6% QoQ	+$13.3M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	64%
Deposits	$205.6M -0.2% YoY-0.8% QoQ	+$4.8M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	60%

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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	0.2% -37.7% YoY-183.9% QoQ	-0.6%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	Bottom 12.0% in tier
NIM	3.8% +2.9% YoY+1.8% QoQ	+0.2%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	63%
Efficiency Ratio	90.3% -0.6% YoY-7.0% QoQ	+13.3%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	Bottom 9.4% in tier
Delinquency Rate	0.7% +25.4% YoY+16.5% QoQ	-0.1	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	53%
Loan To Share	78.1% +1.6% YoY+2.5% QoQ	+5.9%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	58%
AMR	$15,561 +5.6% YoY+0.7% QoQ	$-9K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	Bottom 11.6% in tier
CD Concentration	18.6% -7.7% YoY-0.5% QoQ	-5.8%	24.4%	15.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#457 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.57%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#138 of 554 • 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): -4.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#162 of 538 • 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: 90.27%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -4.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Stagnation Risk

risk

#194 of 554 • 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): -4.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.36%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.75%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#426 of 705 • 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): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#397 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.36%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 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 1069 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

162

Total Members

engagement

Value: 23,537

Peer Median: -

#162 of 1069 Top 15.1% in 100M-500M tier

243

Fee Income Per Member

profitability

Value: $221.90

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

Top Weaknesses (7 metrics)

969

Efficiency Ratio

profitability

Value: 90.27%

Peer Median: -

#969 of 1069 Bottom 9.4% in 100M-500M tier

956

Member Growth Rate

growth

Value: -4.84%

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

945

Average Member Relationship (AMR)

engagement

Value: $15,561

Peer Median: -

#945 of 1069 Bottom 11.7% in 100M-500M tier

941

Return on Assets (ROA)

profitability

Value: 0.18%

Peer Median: -

#941 of 1069 Bottom 12.1% in 100M-500M tier

901

Deposit Growth Rate

growth

Value: -0.22%

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

849

Loan-to-Member Ratio (LMR)

engagement

Value: $6,826

Peer Median: -

#849 of 1069 Bottom 20.7% in 100M-500M tier

813

Asset Growth Rate

growth

Value: 1.59%

Peer Median: -

#813 of 1069 Bottom 24.0% in 100M-500M tier