BlastPoint's Credit Union Scorecard

MEMBERS1ST COMMUNITY

Charter #62918 · IA

1077 CUs in 100M-500M nationally 17 in IA

MEMBERS1ST COMMUNITY has 7 strengths but faces 4 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 11.0% in tier
+ Organic Growth Leader: Top 23.2% in tier
+ Organic Growth Engine: Top 27.6% in tier
+ AMR Growth Rate: Top 3.9% in tier
+ Deposit Growth Rate: Top 4.5% in tier
+ Asset Growth Rate: Top 4.8% in tier
+ Loan Growth Rate: Top 5.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 14.2% in tier
- Credit Risk Growth: Bottom 14.3% in tier
- Credit Quality Pressure: Bottom 27.2% in tier
- ROA 0.08% below tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	17,749 +1.5% YoY+0.5% QoQ	+2.1K	15,628 -3.4% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	67%
Assets	$292.5M +13.0% YoY+0.5% QoQ	+$61.2M	$231.3M -0.0% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	72%
Loans	$199.9M +17.6% YoY+6.3% QoQ	+$52.1M	$147.8M -1.4% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	75%
Deposits	$262.4M +14.3% YoY+0.8% QoQ	+$62.1M	$200.3M -0.0% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -4.2% YoY+22.4% QoQ	-0.1%	0.8% +15.5% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	46%
NIM	3.3% -0.1% YoY+3.4% QoQ	-0.2%	3.6% +6.9% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	34%
Efficiency Ratio	76.9% -2.3% YoY-2.0% QoQ	-0.4%	77.3% -3.0% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	49%
Delinquency Rate	0.5% +4.4% YoY-20.7% QoQ	-0.3	0.9% +7.6% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	40%
Loan To Share	76.2% +3.0% YoY+5.5% QoQ	+3.5%	72.7% -1.5% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	54%
AMR	$26,043 +14.0% YoY+2.6% QoQ	+$2K	$24,363 +2.9% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	69%
CD Concentration	32.4% +21.9% YoY-0.2% QoQ	+8.0%	24.4% +4.2% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.9% +25.7% YoY+1.5% QoQ	+3.9%	14.0% -5.7% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#54 of 481 • Top 11.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 14.01%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Organic Growth Leader

growth

#306 of 430 • Top 23.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.48%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 17.92%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#507 of 603 • Top 27.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.48%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.71%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 17.92%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk

#229 of 525 • Bottom 14.2% in tier

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

Why This Signature

Asset Growth (YoY): 12.99%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 17.92%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.48%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Credit Risk Growth

risk

#215 of 446 • Bottom 14.3% in tier

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

Why This Signature

Loan Growth (YoY): 17.63%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#675 of 736 • Bottom 27.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 14.01%

Peer Avg: -

#43 of 1077 Top 3.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 14.25%

Peer Avg: -

#49 of 1077 Top 4.5% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.99%

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

Loan Growth Rate

growth

Value: 17.63%

Peer Avg: -

#55 of 1077 Top 5.0% in 100M-500M tier

149

Fee Income Per Member

profitability

Value: $248.76

Peer Avg: -

#149 of 1077 Top 13.7% in 100M-500M tier

267

Total Loans

balance_sheet

Value: $199.86M

Peer Avg: -

#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (3 metrics)

885

Members Per Employee (MPE)

engagement

Value: 249.986

Peer Avg: -

#885 of 1077 Bottom 17.9% in 100M-500M tier

850

Share Certificate Concentration (%)

balance_sheet

Value: 32.43%

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier

836

Net Worth Ratio

risk

Value: 9.64%

Peer Avg: -

#836 of 1077 Bottom 22.5% in 100M-500M tier