BlastPoint's Credit Union Scorecard
MUTUAL FIRST
Charter #24540 · NE
MUTUAL FIRST has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 16.4% in tier
- + Net Interest Margin 0.46% above tier average
- + AMR Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 6.2% in tier
- - Stagnation Risk: Bottom 7.4% in tier
- - Indirect Auto Dependency: Bottom 48.3% in tier
- - Efficiency Drag: Bottom 92.2% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 9.18% above tier (higher cost structure)
- - Delinquency rate 1.53% above tier average
- - Member decline: -10.6% YoY
- - Member Growth Rate: Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,061
-10.6% YoY-4.2% QoQ
|
-5.4K |
15,437
-2.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$118.2M
-1.8% YoY+1.1% QoQ
|
$-113.6M |
$231.9M
+1.3% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.3% in tier |
| Loans |
$89.2M
+0.7% YoY-0.6% QoQ
|
$-58.1M |
$147.3M
-0.1% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$106.5M
-0.1% YoY+1.0% QoQ
|
$-94.3M |
$200.8M
+0.8% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.2%
-124.7% YoY+34.8% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.9% in tier |
| NIM |
4.1%
+5.6% YoY+1.0% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
86.2%
-7.9% YoY-0.7% QoQ
|
+9.2% |
77.0%
-3.1% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
2.4%
-8.6% YoY-16.5% QoQ
|
+1.5 |
0.9%
+4.2% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Top 4.7% in tier |
| Loan To Share |
83.8%
+0.7% YoY-1.6% QoQ
|
+11.6% |
72.2%
-1.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$19,449
+12.2% YoY+4.6% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
18.6%
+12.8% YoY+4.7% QoQ
|
-5.8% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
35.5%
+8.7% YoY-4.1% QoQ
|
+21.7% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)