BlastPoint's Credit Union Scorecard
MEMBERS FIRST
Charter #62076 · MI
MEMBERS FIRST has 1 strength but faces 4 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
- + Net Interest Margin 0.64% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 65.6% in tier
- - Shrinking Wallet Share: Bottom 83.0% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 0.58% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 7 that size in Michigan.
- Shares and deposits +2.0% year over year ($779M in shares and deposits).
- Membership: 67,906 members, +1.1% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 0.72%.
- Efficiency ratio 75.12% vs a 74.54% peer average.
- Loan-to-share ratio 82.61% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,906
+1.1% YoY+0.7% QoQ
|
+15.4K |
52,482
+1.3% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 12.6% in tier |
| Assets |
$905.4M
+2.5% YoY+0.1% QoQ
|
+$41.5M |
$863.9M
+0.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$643.9M
-1.1% YoY+3.2% QoQ
|
+$36.2M |
$607.8M
+2.1% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$779.5M
+2.0% YoY-0.2% QoQ
|
+$39.6M |
$739.9M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
0.7%
+1304.4% YoY-429.2% QoQ
|
-0.1% |
0.8%
+30.4% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
4.2%
+4.5% YoY+1.7% QoQ
|
+0.6% |
3.5%
+6.2% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
75.1%
-6.5% YoY-15.0% QoQ
|
+0.6% |
74.5%
-1.4% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.7%
-36.0% YoY-1.4% QoQ
|
-0.1 |
0.8%
+1.0% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
82.6%
-3.0% YoY+3.4% QoQ
|
+0.0% |
82.6%
+1.9% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$20,962
-0.5% YoY+0.6% QoQ
|
$-8K |
$28,702
+0.4% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
25.1%
-8.8% YoY-0.3% QoQ
|
+0.6% | 24.6% | 18.8% | 20.0% | 52% |
| Indirect Auto % |
29.0%
-7.0% YoY-0.2% QoQ
|
+15.3% | 13.6% | 11.7% | 7.7% | 83% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)