BlastPoint's Credit Union Scorecard

MEMBERS1ST COMMUNITY

Charter #62918 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

MEMBERS1ST COMMUNITY has 2 strengths but faces 7 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 50.0% in tier
+ Loan Growth Rate: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.73% below tier average
- Efficiency ratio 7.30% above tier (higher cost structure)
- Delinquency rate 0.17% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	17,626 -0.2% YoY-0.0% QoQ	+2.5K	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	68%
Assets	$307.5M +5.4% YoY+3.5% QoQ	+$75.7M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	74%
Loans	$208.8M +15.6% YoY+1.7% QoQ	+$64.7M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	79%
Deposits	$275.2M +5.0% YoY+3.9% QoQ	+$74.1M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	76%

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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	0.0% -99.6% YoY-99.7% QoQ	-0.7%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	Bottom 7.8% in tier
NIM	3.4% +6.7% YoY+1.3% QoQ	-0.2%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	38%
Efficiency Ratio	85.3% +8.1% YoY+13.6% QoQ	+7.3%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	73%
Delinquency Rate	0.9% +53.7% YoY+20.0% QoQ	+0.2	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	73%
Loan To Share	75.9% +10.1% YoY-2.1% QoQ	+5.5%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	57%
AMR	$27,461 +9.5% YoY+2.9% QoQ	+$3K	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	72%
CD Concentration	31.6% -4.0% YoY+1.6% QoQ	+7.3%	24.3%	21.8%	19.8%	50%
Indirect Auto %	18.8% +15.7% YoY+1.7% QoQ	+5.0%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#140 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 9.53%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#35 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 15.63%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.33% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#207 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#292 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.32%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.63% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#354 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 5.40%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 18.82%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (5 metrics)

Loan Growth Rate

growth

Value: 15.63%

Peer Median: 2.93%

#69 of 1070 Top 6.4% in 100M-500M tier

112

AMR Growth Rate

growth

Value: 9.53%

Peer Median: 3.46%

#112 of 1070 Top 10.4% in 100M-500M tier

181

Fee Income Per Member

profitability

Value: $225.46

Peer Median: $154.95

#181 of 1070 Top 16.8% in 100M-500M tier

229

Total Loans

balance_sheet

Value: $208.83M

Peer Median: $121.41M

#229 of 1070 Top 21.3% in 100M-500M tier

259

Total Deposits

balance_sheet

Value: $275.20M

Peer Median: $171.29M

#259 of 1070 Top 24.1% in 100M-500M tier

Top Weaknesses (4 metrics)

987

Return on Assets (ROA)

profitability

Value: 0.00%

Peer Median: 0.69%

#987 of 1070 Bottom 7.9% in 100M-500M tier

855

Net Worth Ratio

risk

Value: 9.44%

Peer Median: 11.45%

#855 of 1070 Bottom 20.2% in 100M-500M tier

841

Members Per Employee (MPE)

engagement

Value: 255.449

Peer Median: 309.176

#841 of 1070 Bottom 21.5% in 100M-500M tier

823

Share Certificate Concentration (%)

balance_sheet

Value: 31.62%

Peer Median: 23.10%

#823 of 1070 Bottom 23.2% in 100M-500M tier