MEMBERS FIRST CREDIT UNION OF FLORI

Charter #61160 | FL

100M-500M (1077 CUs) Micro
35 100M-500M in FL

MEMBERS FIRST CREDIT UNION OF FLORI has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 22.6% in tier
  • + Wallet Share Momentum: Top 26.3% in tier
  • + ROA 0.66% above tier average
  • + Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.7% in tier
  • - 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
 75th in tier
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
 74th in tier
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
 56th in tier
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
 73rd in tier
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
 66th in tier
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
 Bottom 17.7% in tier
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
 Bottom 21.6% in tier
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
 36th in tier
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
 50th in tier
Indirect Auto % 25.3%
+17.1% YoY+1.5% QoQ
 +11.3% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#623 of 1006 • Top 22.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.93%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#727 of 1006 • Top 26.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.93%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Liquidity Overhang

risk
#89 of 552 • Bottom 5.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.71%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 52.93%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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: 13.96%, 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.45%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 14.89%
(Tier: 24.41%, National: 19.60%)
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: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -0.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.30%
(Tier: 3.64%, 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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

150
Return on Assets (ROA)
profitability
Value: 1.45%
Peer Avg: 0.79%
#150 of 1077 Top 13.8% in 100M-500M tier
178
Net Worth Ratio
risk
Value: 14.71%
Peer Avg: 12.15%
#178 of 1077 Top 16.4% in 100M-500M tier
192
Efficiency Ratio
profitability
Value: 66.81%
Peer Avg: 77.28%
#192 of 1077 Top 17.7% in 100M-500M tier
218
Fee Income Per Member
profitability
Value: $227.45
Peer Avg: $174.31
#218 of 1077 Top 20.1% in 100M-500M tier
234
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Avg: 0.86%
#234 of 1077 Top 21.6% in 100M-500M tier
235
Share Certificate Concentration (%)
balance_sheet
Value: 14.89%
Peer Avg: 23.61%
#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: 72.70%
#939 of 1077 Bottom 12.9% in 100M-500M tier
892
Members Per Employee (MPE)
engagement
Value: 248.100
Peer Avg: 332.881
#892 of 1077 Bottom 17.3% in 100M-500M tier
850
Indirect Auto Concentration (%)
balance_sheet
Value: 25.29%
Peer Avg: 13.34%
#850 of 1077 Bottom 21.2% in 100M-500M tier
838
Loan-to-Member Ratio (LMR)
engagement
Value: $6,931
Peer Avg: $10,245
#838 of 1077 Bottom 22.3% in 100M-500M tier