BlastPoint's Credit Union Scorecard
MEMBERSFIRST CT
Charter #1049 · CT
MEMBERSFIRST CT has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 47.5% in tier
- + Wallet Share Momentum: Top 81.2% in tier
- + ROA 0.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 21.9% in tier
- - Credit Quality Pressure: Bottom 22.0% in tier
- - Total Loans: Bottom 3.1% in tier
- - Total Assets: Bottom 3.9% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Total Members: Bottom 6.3% in tier
- - Loan-to-Share Ratio: Bottom 8.4% in tier
- - Fee Income Per Member: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,181
+0.2% YoY+0.5% QoQ
|
-9.4K |
15,628
-3.4% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 6.2% in tier |
| Assets |
$106.0M
+6.8% YoY-1.3% QoQ
|
$-125.3M |
$231.3M
-0.0% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.8% in tier |
| Loans |
$44.2M
+5.8% YoY+4.3% QoQ
|
$-103.6M |
$147.8M
-1.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.0% in tier |
| Deposits |
$93.2M
+6.2% YoY-1.4% QoQ
|
$-107.0M |
$200.3M
-0.0% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.2% in tier |
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| ROA |
0.9%
+7.5% YoY-0.6% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
56% |
| NIM |
2.9%
+10.7% YoY+1.8% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
73.2%
-0.1% YoY+1.0% QoQ
|
-4.1% |
77.3%
-3.0% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.2%
+45.3% YoY+1.9% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.9% in tier |
| Loan To Share |
47.4%
-0.4% YoY+5.8% QoQ
|
-25.3% |
72.7%
-1.5% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.3% in tier |
| AMR |
$22,237
+5.8% YoY-0.2% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
24.1%
+3.6% YoY+2.3% QoQ
|
-0.3% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)