BlastPoint's Credit Union Scorecard

MEMBERSFIRST CT

Charter #1049 · CT

100M-500M
1070 CUs in 100M-500M nationally 13 in CT

MEMBERSFIRST CT faces 8 concerns requiring attention

National Analysis

How does the industry compare?
CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 50.0% in tier
  • - Membership Headwinds: Bottom 50.0% in tier
  • - Institutional Decline: Bottom 50.0% in tier
  • - ROA 0.11% below tier average
  • - Efficiency ratio 1.95% above tier (higher cost structure)
  • - Total Loans: Bottom 3.4% in tier
  • - Total Assets: Bottom 5.4% in tier
  • - Total Deposits: Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 6,096
-0.6% YoY-1.2% QoQ
 -9.0K 15,145
-2.5% YoY
 14,157
+8.2% YoY
 33,913
+5.7% YoY
 Bottom 6.9% in tier
Assets $107.5M
+2.2% YoY+2.6% QoQ
 $-124.2M $231.7M
+0.8% YoY
 $246.5M
+13.9% YoY
 $578.3M
+9.0% YoY
 Bottom 5.3% in tier
Loans $42.0M
-0.8% YoY-3.0% QoQ
 $-102.2M $144.1M
+0.2% YoY
 $136.3M
+13.4% YoY
 $402.4M
+8.7% YoY
 Bottom 3.3% in tier
Deposits $94.1M
+1.2% YoY+2.3% QoQ
 $-107.1M $201.1M
+0.4% YoY
 $217.1M
+13.8% YoY
 $494.3M
+9.1% YoY
 Bottom 6.2% in tier

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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 0.6%
-9.1% YoY-22.1% QoQ
 -0.1% 0.7%
+5.1% YoY
 0.6%
+218.7% YoY
 0.4%
-39.2% YoY
 44%
NIM 3.1%
+6.2% YoY+1.3% QoQ
 -0.6% 3.6%
+4.6% YoY
 3.6%
+1.6% YoY
 3.8%
+4.1% YoY
 18%
Efficiency Ratio 80.0%
+1.2% YoY+6.3% QoQ
 +1.9% 78.0%
-1.7% YoY
 83.6%
-6.8% YoY
 84.6%
+2.8% YoY
 55%
Delinquency Rate 0.2%
-11.1% YoY-41.3% QoQ
 -0.6 0.8%
+7.1% YoY
 2.5%
+122.5% YoY
 1.2%
+3.4% YoY
 Top 11.7% in tier
Loan To Share 44.6%
-2.0% YoY-5.2% QoQ
 -25.8% 70.4%
-0.4% YoY
 52.8%
-1.3% YoY
 65.6%
-1.4% YoY
 Bottom 7.3% in tier
AMR $22,311
+1.1% YoY+1.8% QoQ
 $-3K $24,918
+2.7% YoY
 $17,581
+5.9% YoY
 $19,920
+1.6% YoY
 46%
CD Concentration 24.1%
+2.7% YoY-0.7% QoQ
 -0.1% 24.3% 14.5% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 4.5% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Stagnation Risk

risk
#519 of 570 • 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): -0.55%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): -0.79%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
Delinquency Rate: 0.18%
(Tier: 0.76%, National: 1.19%)
but better than tier avg
570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally
→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline
#561 of 570 • 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): -0.55%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally
→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline
#250 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $107.48M
(Tier: $334.04M, National: $578.34M)
worse than tier avg
Member Growth (YoY): -0.55%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): -0.79%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally
→ No prior data (250 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)

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
126
Total Delinquency Rate (60+ days)
risk
Value: 0.18%
Peer Median: 0.61%
#126 of 1070 Top 11.7% in 100M-500M tier

Top Weaknesses (8 metrics)

1035
Total Loans
balance_sheet
Value: $41.95M
Peer Median: $121.41M
#1035 of 1070 Bottom 3.4% in 100M-500M tier
1013
Total Assets
balance_sheet
Value: $107.48M
Peer Median: $196.57M
#1013 of 1070 Bottom 5.4% in 100M-500M tier
1004
Total Deposits
balance_sheet
Value: $94.06M
Peer Median: $171.29M
#1004 of 1070 Bottom 6.3% in 100M-500M tier
996
Total Members
engagement
Value: 6,096
Peer Median: 13,200
#996 of 1070 Bottom 7.0% in 100M-500M tier
992
Loan-to-Share Ratio
balance_sheet
Value: 44.60%
Peer Median: 71.88%
#992 of 1070 Bottom 7.4% in 100M-500M tier
934
Fee Income Per Member
profitability
Value: $86.64
Peer Median: $154.95
#934 of 1070 Bottom 12.8% in 100M-500M tier
875
Net Interest Margin (NIM)
profitability
Value: 3.07%
Peer Median: 3.62%
#875 of 1070 Bottom 18.3% in 100M-500M tier
837
Loan-to-Member Ratio (LMR)
engagement
Value: $6,882
Peer Median: $9,356
#837 of 1070 Bottom 21.9% in 100M-500M tier
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