BlastPoint's Credit Union Scorecard

MEMBERS FIRST CREDIT UNION OF FLORI

Charter #61160 · FL

1077 CUs in 100M-500M nationally 35 in FL

MEMBERS FIRST CREDIT UNION OF FLORI has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 51.0% in tier
+ Credit Quality Leader: Top 84.4% in tier
+ ROA 0.66% above tier average
+ Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 13.6% in tier
- Stagnation Risk: Bottom 17.8% in tier
- Credit Quality Pressure: Bottom 22.3% in tier
- Institutional Decline: Bottom 30.0% in tier
- Membership Headwinds: Bottom 30.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	19,848 -0.8% YoY+1.7% QoQ	+4.2K	15,628 -3.4% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	75%
Assets	$306.4M +5.2% YoY+0.2% QoQ	+$75.1M	$231.3M -0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	74%
Loans	$137.6M -1.3% YoY-1.4% QoQ	$-10.2M	$147.8M -1.4% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	56%
Deposits	$259.9M +4.0% YoY-0.4% QoQ	+$59.6M	$200.3M -0.0% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	73%

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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	1.5% +11.4% YoY-6.9% QoQ	+0.7%	0.8% +15.5% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	Top 13.9% in tier
NIM	3.9% -1.7% YoY+0.5% QoQ	+0.3%	3.6% +6.9% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	66%
Efficiency Ratio	66.8% -2.5% YoY+3.2% QoQ	-10.5%	77.3% -3.0% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	18%
Delinquency Rate	0.3% +23.4% YoY+97.2% QoQ	-0.5	0.9% +7.6% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	22%
Loan To Share	52.9% -5.1% YoY-1.0% QoQ	-19.8%	72.7% -1.5% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	Bottom 12.8% in tier
AMR	$20,026 +2.9% YoY-2.4% QoQ	$-4K	$24,363 +2.9% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	36%
CD Concentration	14.9% +11.9% YoY+4.0% QoQ	-9.5%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	25.3% +17.1% YoY+1.5% QoQ	+11.3%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#174 of 340 • Top 51.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.45%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.15% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Credit Quality Leader

growth

#287 of 340 • Top 84.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.34%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk

#219 of 525 • Bottom 13.6% in tier

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

Why This Signature

Asset Growth (YoY): 5.18%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 25.29%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.82%

(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 improving

Stagnation Risk

risk

#293 of 550 • Bottom 17.8% 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): -0.82%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.30%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.34%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

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

Credit Quality Pressure

risk

#553 of 736 • Bottom 22.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Institutional Decline

decline

#237 of 256 • Bottom 30.0% in tier

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

Why This Signature

Total Assets: $306.42M

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

worse than tier avg

Member Growth (YoY): -0.82%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.30%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline

#496 of 550 • Bottom 30.1% in tier

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

Why This Signature

Member Growth (YoY): -0.82%

(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

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 (6 metrics)

150

Return on Assets (ROA)

profitability

Value: 1.45%

Peer Avg: -

#150 of 1077 Top 13.8% in 100M-500M tier

178

Net Worth Ratio

risk

Value: 14.71%

Peer Avg: -

#178 of 1077 Top 16.4% in 100M-500M tier

192

Efficiency Ratio

profitability

Value: 66.81%

Peer Avg: -

#192 of 1077 Top 17.7% in 100M-500M tier

218

Fee Income Per Member

profitability

Value: $227.45

Peer Avg: -

#218 of 1077 Top 20.1% in 100M-500M tier

234

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Avg: -

#234 of 1077 Top 21.6% in 100M-500M tier

235

Share Certificate Concentration (%)

balance_sheet

Value: 14.89%

Peer Avg: -

#235 of 1077 Top 21.7% in 100M-500M tier

Top Weaknesses (4 metrics)

939

Loan-to-Share Ratio

balance_sheet

Value: 52.93%

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

892

Members Per Employee (MPE)

engagement

Value: 248.100

Peer Avg: -

#892 of 1077 Bottom 17.3% in 100M-500M tier

850

Indirect Auto Concentration (%)

balance_sheet

Value: 25.29%

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier

838

Loan-to-Member Ratio (LMR)

engagement

Value: $6,931

Peer Avg: -

#838 of 1077 Bottom 22.3% in 100M-500M tier