BlastPoint's Credit Union Scorecard

MCT

Charter #97089 · TX

1069 CUs in 100M-500M nationally 79 in TX

MCT has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 75.2% in tier
+ Organic Growth Leader: Top 81.2% in tier
+ Organic Growth Engine: Top 90.6% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.7% in tier
- ROA 0.42% below tier average
- Efficiency ratio 13.59% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	22,032 +1.1% YoY+1.0% QoQ	+6.6K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	82%
Assets	$395.5M +10.3% YoY+3.1% QoQ	+$163.6M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	Top 11.6% in tier
Loans	$246.5M +7.6% YoY+1.2% QoQ	+$99.1M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	Top 14.9% in tier
Deposits	$345.8M +7.5% YoY+2.6% QoQ	+$145.0M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	Top 11.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +16.1% YoY-3.2% QoQ	-0.4%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	20%
NIM	3.4% +0.0% YoY+0.3% QoQ	-0.3%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	35%
Efficiency Ratio	90.6% -2.1% YoY-0.3% QoQ	+13.6%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Top 8.9% in tier
Delinquency Rate	0.5% -3.1% YoY+25.9% QoQ	-0.4	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	33%
Loan To Share	71.3% +0.2% YoY-1.3% QoQ	-1.0%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	44%
AMR	$26,883 +6.3% YoY+1.1% QoQ	+$2K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	72%
CD Concentration	11.7% +11.5% YoY+4.0% QoQ	-12.7%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#386 of 513 • Top 75.2% in tier

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

Why This Signature

AMR Growth (YoY): 6.34%

(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

Organic Growth Leader

growth

#346 of 426 • Top 81.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#539 of 595 • Top 90.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.34%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#10 of 538 • Bottom 1.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.61%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.05% points

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

worse than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

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

↓ Shrinking -98 CUs YoY | Rank improving

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 (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $286.53

Peer Median: -

#73 of 1069 Top 6.7% in 100M-500M tier

119

Total Deposits

balance_sheet

Value: $345.85M

Peer Median: -

#119 of 1069 Top 11.0% in 100M-500M tier

124

Total Assets

balance_sheet

Value: $395.46M

Peer Median: -

#124 of 1069 Top 11.5% in 100M-500M tier

127

Asset Growth Rate

growth

Value: 10.27%

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

141

Share Certificate Concentration (%)

balance_sheet

Value: 11.70%

Peer Median: -

#141 of 1069 Top 13.1% in 100M-500M tier

159

Total Loans

balance_sheet

Value: $246.45M

Peer Median: -

#159 of 1069 Top 14.8% in 100M-500M tier

196

Total Members

engagement

Value: 22,032

Peer Median: -

#196 of 1069 Top 18.2% in 100M-500M tier

254

Deposit Growth Rate

growth

Value: 7.45%

Peer Median: -

#254 of 1069 Top 23.7% in 100M-500M tier

Top Weaknesses (3 metrics)

975

Efficiency Ratio

profitability

Value: 90.61%

Peer Median: -

#975 of 1069 Bottom 8.9% in 100M-500M tier

859

First Mortgage Concentration (%)

balance_sheet

Value: 45.67%

Peer Median: -

#859 of 1069 Bottom 19.7% in 100M-500M tier

852

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: -

#852 of 1069 Bottom 20.4% in 100M-500M tier