BlastPoint's Credit Union Scorecard

MUTUAL FIRST

Charter #24540 · NE

1077 CUs in 100M-500M nationally 12 in NE

MUTUAL FIRST has 2 strengths but faces 13 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 35.4% in tier
+ Net Interest Margin 0.44% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 3.3% in tier
- Indirect Auto Dependency: Bottom 16.8% in tier
- Institutional Decline: Bottom 20.8% in tier
- Stagnation Risk: Bottom 22.7% in tier
- Efficiency Drag: Bottom 26.2% in tier
- ROA 0.67% below tier average
- Efficiency ratio 9.50% above tier (higher cost structure)
- Delinquency rate 2.04% above tier average
- Member decline: -8.2% YoY
- Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- Member Growth Rate: Bottom 5.0% in tier
- Asset Growth Rate: Bottom 5.8% in tier
- Net Worth Ratio: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	10,497 -8.2% YoY-4.9% QoQ	-5.1K	15,628 -3.4% YoY	11,261 +2.9% YoY	33,089 +6.1% YoY	33%
Assets	$117.0M -3.5% YoY-2.3% QoQ	$-114.3M	$231.3M -0.0% YoY	$135.7M +6.0% YoY	$547.7M +7.8% YoY	Bottom 11.6% in tier
Loans	$89.8M -1.5% YoY-1.8% QoQ	$-58.0M	$147.8M -1.4% YoY	$98.5M +7.2% YoY	$388.7M +8.6% YoY	29%
Deposits	$105.4M +0.9% YoY-2.4% QoQ	$-94.9M	$200.3M -0.0% YoY	$114.5M +4.4% YoY	$464.6M +9.3% YoY	Bottom 14.6% 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	0.1% -118.3% YoY+8.2% QoQ	-0.7%	0.8% +15.5% YoY	0.7% +41.5% YoY	0.7% +273.4% YoY	Bottom 10.3% in tier
NIM	4.0% +6.4% YoY+2.5% QoQ	+0.4%	3.6% +6.9% YoY	4.0% +7.0% YoY	3.7% +5.0% YoY	74%
Efficiency Ratio	86.8% -8.3% YoY+0.2% QoQ	+9.5%	77.3% -3.0% YoY	80.8% -5.9% YoY	79.1% -3.3% YoY	82%
Delinquency Rate	2.9% -11.4% YoY+29.3% QoQ	+2.0	0.9% +7.6% YoY	1.1% +1.3% YoY	1.2% -0.9% YoY	Top 2.5% in tier
Loan To Share	85.2% -2.3% YoY+0.6% QoQ	+12.5%	72.7% -1.5% YoY	71.7% -1.6% YoY	68.0% -1.7% YoY	75%
AMR	$18,592 +8.7% YoY+2.9% QoQ	$-6K	$24,363 +2.9% YoY	$16,886 +0.6% YoY	$19,418 +1.3% YoY	26%
CD Concentration	17.8% +4.4% YoY+2.2% QoQ	-6.6%	24.4% +4.2% YoY	22.1% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	37.0% +7.6% YoY-2.0% QoQ	+23.0%	14.0% -5.7% YoY	5.8% -5.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#171 of 481 • Top 35.4% in tier

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

Why This Signature

AMR Growth (YoY): 8.68%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (5)

Membership Headwinds

decline

#56 of 550 • Bottom 3.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -8.19%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#270 of 525 • Bottom 16.8% in tier

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

Why This Signature

Asset Growth (YoY): -3.47%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 36.98%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -8.19%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Institutional Decline

decline

#165 of 256 • Bottom 20.8% in tier

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

Why This Signature

Total Assets: $116.95M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -8.19%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.48%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Stagnation Risk

risk

#375 of 550 • Bottom 22.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.19%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.48%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 2.90%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#463 of 521 • Bottom 26.2% in tier

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

Why This Signature

Efficiency Ratio: 86.78%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.73% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -8.19%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (3 metrics)

133

AMR Growth Rate

growth

Value: 8.68%

Peer Avg: -

#133 of 1077 Top 12.3% in 100M-500M tier

157

First Mortgage Concentration (%)

balance_sheet

Value: 11.53%

Peer Avg: -

#157 of 1077 Top 14.5% in 100M-500M tier

269

Loan-to-Share Ratio

balance_sheet

Value: 85.15%

Peer Avg: -

#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (10 metrics)

1051

Total Delinquency Rate (60+ days)

risk

Value: 2.90%

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

1024

Member Growth Rate

growth

Value: -8.19%

Peer Avg: -

#1024 of 1077 Bottom 5.0% in 100M-500M tier

1016

Asset Growth Rate

growth

Value: -3.47%

Peer Avg: -

#1016 of 1077 Bottom 5.8% in 100M-500M tier

1001

Net Worth Ratio

risk

Value: 8.39%

Peer Avg: -

#1001 of 1077 Bottom 7.1% in 100M-500M tier

966

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Avg: -

#966 of 1077 Bottom 10.4% in 100M-500M tier

965

Indirect Auto Concentration (%)

balance_sheet

Value: 36.98%

Peer Avg: -

#965 of 1077 Bottom 10.5% in 100M-500M tier

952

Total Assets

balance_sheet

Value: $116.95M

Peer Avg: -

#952 of 1077 Bottom 11.7% in 100M-500M tier

947

Net Charge-Off Rate

risk

Value: 0.89%

Peer Avg: -

#947 of 1077 Bottom 12.2% in 100M-500M tier

920

Total Deposits

balance_sheet

Value: $105.41M

Peer Avg: -

#920 of 1077 Bottom 14.7% in 100M-500M tier

884

Efficiency Ratio

profitability

Value: 86.78%

Peer Avg: -

#884 of 1077 Bottom 18.0% in 100M-500M tier