BlastPoint's Credit Union Scorecard
MEMBERS FIRST
Charter #62076 · MI
MEMBERS FIRST has 1 strength but faces 5 concerns
How does the industry compare?
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.5% in tier
- - Indirect Auto Dependency: Bottom 44.2% in tier
- - ROA 0.98% below tier average
- - Efficiency ratio 12.85% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,425
+1.1% YoY-0.1% QoQ
|
+15.9K |
51,500
+0.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Top 12.0% in tier |
| Assets |
$904.1M
+4.8% YoY+0.4% QoQ
|
+$38.5M |
$865.6M
+0.9% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$624.2M
-3.1% YoY-2.1% QoQ
|
+$28.9M |
$595.3M
+1.6% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
53% |
| Deposits |
$781.0M
+4.6% YoY+0.5% QoQ
|
+$38.8M |
$742.2M
+0.6% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
-0.2%
-191.1% YoY-167.0% QoQ
|
-1.0% |
0.8%
+45.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.7% in tier |
| NIM |
4.1%
+3.0% YoY+1.3% QoQ
|
+0.6% |
3.5%
+6.1% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 12.0% in tier |
| Efficiency Ratio |
88.4%
+11.3% YoY+14.8% QoQ
|
+12.8% |
75.5%
-3.4% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
0.7%
-32.5% YoY-42.2% QoQ
|
+0.0 |
0.7%
-0.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
79.9%
-7.4% YoY-2.6% QoQ
|
-0.7% |
80.6%
+0.7% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$20,841
+0.0% YoY-0.6% QoQ
|
$-8K |
$28,908
+0.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
15% |
| CD Concentration |
25.2%
-3.7% YoY-4.6% QoQ
|
+0.9% | 24.3% | 18.6% | 19.8% | 54% |
| Indirect Auto % |
29.0%
-9.2% YoY-2.3% QoQ
|
+15.2% | 13.8% | 11.7% | 7.7% | 83% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)