BlastPoint's Credit Union Scorecard
MEMBERS FIRST
Charter #62076 · MI
MEMBERS FIRST has 2 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 89.1% in tier
- + Net Interest Margin 0.64% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 47.7% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 2.65% above tier (higher cost structure)
- - Delinquency rate 0.26% above tier average
- - Net Charge-Off Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,490
+2.6% YoY+0.2% QoQ
|
+15.4K |
52,084
-1.6% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 13.7% in tier |
| Assets |
$900.6M
+5.9% YoY+2.5% QoQ
|
+$36.7M |
$863.9M
+0.5% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$637.9M
+0.6% YoY-1.7% QoQ
|
+$32.1M |
$605.8M
+1.4% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$777.1M
+8.0% YoY+2.6% QoQ
|
+$39.8M |
$737.3M
+0.1% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
70% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
+5.3% YoY+54.9% QoQ
|
-0.4% |
0.7%
+39.1% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
4.0%
+8.0% YoY+0.2% QoQ
|
+0.6% |
3.4%
+8.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 14.5% in tier |
| Efficiency Ratio |
77.0%
-5.0% YoY-1.5% QoQ
|
+2.7% |
74.3%
-3.6% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
1.1%
-2.3% YoY+5.3% QoQ
|
+0.3 |
0.9%
+3.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
82.1%
-6.8% YoY-4.2% QoQ
|
-0.5% |
82.6%
+1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$20,966
+1.8% YoY+0.4% QoQ
|
$-8K |
$28,873
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
26.4%
+5.4% YoY-6.0% QoQ
|
+2.0% | 24.4% | 18.6% | 19.8% | 58% |
| Indirect Auto % |
29.7%
-2.7% YoY-2.6% QoQ
|
+15.9% | 13.8% | 11.8% | 7.8% | 83% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)