BlastPoint's Credit Union Scorecard

MUTUAL FIRST

Charter #24540 · NE

100M-500M

1070 CUs in 100M-500M nationally 12 in NE

MUTUAL FIRST has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.69% below tier average
- Efficiency ratio 12.14% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	10,093 -10.0% YoY+0.3% QoQ	-5.1K	15,145 -2.5% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	33%
Assets	$126.1M +2.6% YoY+6.7% QoQ	$-105.6M	$231.7M +0.8% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	17%
Loans	$87.5M +2.8% YoY-1.9% QoQ	$-56.6M	$144.1M +0.2% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	28%
Deposits	$114.1M +2.4% YoY+7.2% QoQ	$-87.0M	$201.1M +0.4% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	20%

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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	0.0% -74.6% QoQ	-0.7%	0.7% +5.1% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	Bottom 9.0% in tier
NIM	3.6% -4.5% YoY-10.8% QoQ	+0.0%	3.6% +4.6% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	90.2% +4.6% YoY+4.6% QoQ	+12.1%	78.0% -1.7% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	Bottom 14.7% in tier
Delinquency Rate	2.8% +19.0% YoY+13.6% QoQ	+2.0	0.8% +7.1% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	Bottom 2.6% in tier
Loan To Share	76.7% +0.4% YoY-8.5% QoQ	+6.3%	70.4% -0.4% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	60%
AMR	$19,976 +14.0% YoY+2.7% QoQ	$-5K	$24,918 +2.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	32%
CD Concentration	18.1% +11.1% YoY-2.8% QoQ	-6.2%	24.3%	22.1%	19.8%	50%
Indirect Auto %	36.5% +12.6% YoY+2.8% QoQ	+22.7%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#57 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 14.02%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (6)

Membership Headwinds

decline

#38 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): -10.03%

(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

Stagnation Risk

risk

#72 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): -10.03%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.80%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 2.75%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#141 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.44% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#130 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.58%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 36.46%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -10.03%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#171 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 90.16%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.00% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -10.03%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Risk Growth

risk

#211 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.80%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.44% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

AMR Growth Rate

growth

Value: 14.02%

Peer Median: 3.46%

#46 of 1070 Top 4.2% in 100M-500M tier

155

First Mortgage Concentration (%)

balance_sheet

Value: 11.31%

Peer Median: 29.47%

#155 of 1070 Top 14.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1043

Total Delinquency Rate (60+ days)

risk

Value: 2.75%

Peer Median: 0.61%

#1043 of 1070 Bottom 2.6% in 100M-500M tier

1040

Net Worth Ratio

risk

Value: 7.86%

Peer Median: 11.45%

#1040 of 1070 Bottom 2.9% in 100M-500M tier

1035

Member Growth Rate

growth

Value: -10.03%

Peer Median: -0.06%

#1035 of 1070 Bottom 3.4% in 100M-500M tier

974

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Median: 0.69%

#974 of 1070 Bottom 9.1% in 100M-500M tier

961

Indirect Auto Concentration (%)

balance_sheet

Value: 36.46%

Peer Median: 6.61%

#961 of 1070 Bottom 10.3% in 100M-500M tier

914

Efficiency Ratio

profitability

Value: 90.16%

Peer Median: 78.68%

#914 of 1070 Bottom 14.7% in 100M-500M tier

886

Total Assets

balance_sheet

Value: $126.10M

Peer Median: $196.57M

#886 of 1070 Bottom 17.3% in 100M-500M tier

853

Total Deposits

balance_sheet

Value: $114.11M

Peer Median: $171.29M

#853 of 1070 Bottom 20.4% in 100M-500M tier