BlastPoint's Credit Union Scorecard
MCT
Charter #97089 · TX
MCT has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 25.7% in tier
- + Organic Growth Engine: Top 28.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.7% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 13.57% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,822
+1.2% YoY+1.4% QoQ
|
+6.2K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$383.4M
+5.6% YoY-0.7% QoQ
|
+$152.1M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 13.3% in tier |
| Loans |
$243.5M
+5.8% YoY+1.9% QoQ
|
+$95.7M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
85% |
| Deposits |
$337.1M
+4.1% YoY-1.1% QoQ
|
+$136.8M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 12.1% in tier |
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| ROA |
0.4%
+4.7% YoY+27.8% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
3.3%
+0.5% YoY+1.4% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
90.8%
-1.2% YoY-0.4% QoQ
|
+13.6% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 9.5% in tier |
| Delinquency Rate |
0.4%
-33.8% YoY-11.6% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
72.2%
+1.7% YoY+3.0% QoQ
|
-0.5% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$26,604
+3.5% YoY-1.2% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
11.2%
+17.7% YoY+4.4% QoQ
|
-13.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)