BlastPoint's Credit Union Scorecard
MEMBERSFIRST CT
Charter #1049 · CT
MEMBERSFIRST CT faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Total Loans: Bottom 3.0% in tier
- - Total Assets: Bottom 4.8% in tier
- - Total Deposits: Bottom 6.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in Connecticut.
- Shares and deposits -0.7% year over year ($93.9M in shares and deposits).
- Membership: 6,096 members, -0.9% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 0.82%.
- Efficiency ratio 74.04% vs a 76.73% peer average.
- Loan-to-share ratio 44.68% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,096
-0.9% YoY0% QoQ
|
-9.1K |
15,168
-2.6% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 6.9% in tier |
| Assets |
$107.2M
-0.1% YoY-0.2% QoQ
|
$-124.8M |
$232.0M
+0.7% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.7% in tier |
| Loans |
$42.0M
-1.0% YoY+0.0% QoQ
|
$-104.3M |
$146.3M
+0.2% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.9% in tier |
| Deposits |
$93.9M
-0.7% YoY-0.2% QoQ
|
$-106.8M |
$200.7M
+0.2% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.2% in tier |
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| ROA |
0.8%
-3.8% YoY+32.4% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.1%
+6.8% YoY+0.7% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
74.0%
+2.2% YoY-7.4% QoQ
|
-2.7% |
76.7%
-0.8% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
0.3%
+45.5% YoY+74.5% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
44.7%
-0.3% YoY+0.2% QoQ
|
-26.9% |
71.5%
-0.3% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.9% in tier |
| AMR |
$22,289
+0.1% YoY-0.1% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
24.2%
+2.7% YoY+0.4% QoQ
|
-0.3% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)