BlastPoint's Credit Union Scorecard

MEMBERS "FIRST" COMMUNITY

Charter #63368 · IL

100M-500M

1070 CUs in 100M-500M nationally 28 in IL

MEMBERS "FIRST" COMMUNITY has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.73% above tier average
+ Net Interest Margin 0.48% above tier average
+ Net Worth Ratio: Top 0.7% in tier
+ Fee Income Per Member: Top 0.9% in tier
+ Share Certificate Concentration (%): Top 3.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Total Deposits: Bottom 0.6% in tier
- Total Assets: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	7,470 +2.8% YoY+0.9% QoQ	-7.7K	15,145 -2.5% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	Bottom 14.7% in tier
Assets	$111.3M +9.9% YoY+6.2% QoQ	$-120.4M	$231.7M +0.8% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	Bottom 8.1% in tier
Loans	$77.3M +5.4% YoY+0.0% QoQ	$-66.8M	$144.1M +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	22%
Deposits	$82.5M +10.3% YoY+7.9% QoQ	$-118.6M	$201.1M +0.4% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	Bottom 0.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	2.5% +14.5% YoY+27.2% QoQ	+1.7%	0.7% +5.1% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	Top 1.5% in tier
NIM	4.1% -9.0% YoY-5.2% QoQ	+0.5%	3.6% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	63.4% -3.5% YoY-2.2% QoQ	-14.6%	78.0% -1.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Top 12.2% in tier
Delinquency Rate	0.1% -30.1% QoQ	-0.7	0.8% +7.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	Top 6.5% in tier
Loan To Share	93.7% -4.4% YoY-7.3% QoQ	+23.3%	70.4% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	Top 5.5% in tier
AMR	$21,395 +4.9% YoY+3.0% QoQ	$-4K	$24,918 +2.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	40%
CD Concentration	3.4% -74.2% YoY-42.5% QoQ	-20.9%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#25 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.84%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 2.46%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#29 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 2.46%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.84%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#167 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.84%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk

#91 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.72%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.38%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Liquidity Overhang

risk

#72 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 25.22%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 93.72%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Credit Risk Growth

risk

#361 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): 5.38%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.06% 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

#558 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): 0.06% 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 | New qualifier

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 (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 25.22%

Peer Median: 11.45%

#9 of 1070 Top 0.7% in 100M-500M tier

Fee Income Per Member

profitability

Value: $522.64

Peer Median: $154.95

#11 of 1070 Top 0.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.46%

Peer Median: 0.69%

#16 of 1070 Top 1.4% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 3.40%

Peer Median: 23.10%

#39 of 1070 Top 3.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.72%

Peer Median: 71.88%

#59 of 1070 Top 5.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.61%

#71 of 1070 Top 6.5% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.28%

Peer Median: 3.30%

#90 of 1070 Top 8.3% in 100M-500M tier

110

Asset Growth Rate

growth

Value: 9.89%

Peer Median: 3.91%

#110 of 1070 Top 10.2% in 100M-500M tier

132

Efficiency Ratio

profitability

Value: 63.45%

Peer Median: 78.68%

#132 of 1070 Top 12.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1065

Total Deposits

balance_sheet

Value: $82.50M

Peer Median: $171.29M

#1065 of 1070 Bottom 0.6% in 100M-500M tier

983

Total Assets

balance_sheet

Value: $111.34M

Peer Median: $196.57M

#983 of 1070 Bottom 8.2% in 100M-500M tier

913

Total Members

engagement

Value: 7,470

Peer Median: 13,200

#913 of 1070 Bottom 14.8% in 100M-500M tier

829

Total Loans

balance_sheet

Value: $77.32M

Peer Median: $121.41M

#829 of 1070 Bottom 22.6% in 100M-500M tier

811

First Mortgage Concentration (%)

balance_sheet

Value: 42.06%

Peer Median: 29.47%

#811 of 1070 Bottom 24.3% in 100M-500M tier