MEMBERS FIRST

Charter #62076 | MI

750M-1B (112 CUs) Community (281 CUs)
9 750M-1B in MI

MEMBERS FIRST has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 27.3% in tier
  • + Wallet Share Momentum: Top 30.3% in tier
  • + Relationship Depth Leader: Top 33.0% in tier
  • + Net Interest Margin 0.65% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 18.0% in tier
  • - Credit Quality Pressure: Bottom 21.4% in tier
  • - Growth-at-Risk: Bottom 22.4% in tier
  • - ROA 0.50% below tier average
  • - Efficiency ratio 3.61% above tier (higher cost structure)
  • - Delinquency rate 0.27% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 67,375
+3.4% YoY+0.3% QoQ
 +15.3K 52,114
-2.1% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Top 15.2% in tier
Assets $878.4M
+4.8% YoY-0.6% QoQ
 +$19.4M $859.0M
+0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 60th in tier
Loans $649.0M
+5.2% YoY-0.3% QoQ
 +$45.7M $603.4M
+1.0% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 57th in tier
Deposits $757.5M
+5.9% YoY-0.9% QoQ
 +$23.4M $734.2M
+0.9% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 66th in tier
ROA 0.2%
+23.4% YoY+311.2% QoQ
 -0.5% 0.7%
+27.6% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Bottom 17.9% in tier
NIM 4.0%
+9.8% YoY+1.3% QoQ
 +0.6% 3.4%
+9.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 14.3% in tier
Efficiency Ratio 78.1%
-8.1% YoY-2.7% QoQ
 +3.6% 74.5%
-3.2% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 57th in tier
Delinquency Rate 1.1%
+7.7% YoY+6.7% QoQ
 +0.3 0.8%
+5.0% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 25.0% in tier
Loan To Share 85.7%
-0.7% YoY+0.6% QoQ
 +3.0% 82.7%
+0.1% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 46th in tier
AMR $20,877
+2.1% YoY-0.9% QoQ
 $-8K $28,651
+2.5% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Bottom 22.3% in tier
CD Concentration 28.1%
+12.3% YoY+2.0% QoQ
 +3.7% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 65th in tier
Indirect Auto % 30.5%
+4.7% YoY-2.0% QoQ
 +16.5% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 Top 16.6% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#501 of 603 • Top 27.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.39%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.21%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 30.49%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#837 of 1006 • Top 30.3% in tier

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

Why This Signature
AMR Growth (YoY): 2.13%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#911 of 1006 • Top 33.0% in tier

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

Why This Signature
AMR Growth (YoY): 2.13%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#290 of 525 • Bottom 18.0% in tier

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

Why This Signature
Asset Growth (YoY): 4.77%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 30.49%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.39%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#531 of 736 • Bottom 21.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Growth-at-Risk

risk
#337 of 446 • Bottom 22.4% in tier

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

Why This Signature
Loan Growth (YoY): 5.22%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.08% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 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 112 peers in tier

Top Strengths (5 metrics)

16
Net Interest Margin (NIM)
profitability
Value: 4.03%
Peer Avg: 3.38%
#16 of 112 Top 13.4% in 750M-1B tier
17
Total Members
engagement
Value: 67,375
Peer Avg: 52,114
#17 of 112 Top 14.3% in 750M-1B tier
21
First Mortgage Concentration (%)
balance_sheet
Value: 19.13%
Peer Avg: 33.64%
#21 of 112 Top 17.9% in 750M-1B tier
25
Member Growth Rate
growth
Value: 3.39%
Peer Avg: 1.14%
#25 of 112 Top 21.4% in 750M-1B tier
26
Fee Income Per Member
profitability
Value: $244.46
Peer Avg: $204.75
#26 of 112 Top 22.3% in 750M-1B tier

Top Weaknesses (7 metrics)

100
Net Charge-Off Rate
risk
Value: 1.17%
Peer Avg: 0.61%
#100 of 112 Bottom 11.6% in 750M-1B tier
95
Net Worth Ratio
risk
Value: 9.07%
Peer Avg: 11.52%
#95 of 112 Bottom 16.1% in 750M-1B tier
92
Return on Assets (ROA)
profitability
Value: 0.21%
Peer Avg: 0.71%
#92 of 112 Bottom 18.8% in 750M-1B tier
91
Indirect Auto Concentration (%)
balance_sheet
Value: 30.49%
Peer Avg: 16.60%
#91 of 112 Bottom 19.6% in 750M-1B tier
87
Average Member Relationship (AMR)
engagement
Value: $20,877
Peer Avg: $28,651
#87 of 112 Bottom 23.2% in 750M-1B tier
87
Members Per Employee (MPE)
engagement
Value: 278.409
Peer Avg: 361.634
#87 of 112 Bottom 23.2% in 750M-1B tier
85
Total Delinquency Rate (60+ days)
risk
Value: 1.09%
Peer Avg: 0.82%
#85 of 112 Bottom 25.0% in 750M-1B tier