BlastPoint's Credit Union Scorecard
MEMBERS "FIRST" COMMUNITY
Charter #63368 · IL
MEMBERS "FIRST" COMMUNITY has 11 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.7% in tier
- + Emerging Performer: Top 18.2% in tier
- + Organic Growth Leader: Top 44.5% in tier
- + ROA 1.17% above tier average
- + Net Interest Margin 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.7% in tier
- + Loan-to-Share Ratio: Top 2.0% in tier
- + Fee Income Per Member: Top 5.2% in tier
- + Share Certificate Concentration (%): Top 5.6% in tier
- + Total Delinquency Rate (60+ days): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19.8% in tier
- - Liquidity Overhang: Bottom 51.5% in tier
- - Total Deposits: Bottom 0.3% in tier
- - Total Assets: Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,404
+2.9% YoY+0.9% QoQ
|
-8.0K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 13.4% in tier |
| Assets |
$104.8M
+9.7% YoY+2.1% QoQ
|
$-127.0M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.0% in tier |
| Loans |
$77.3M
+5.4% YoY+0.6% QoQ
|
$-70.0M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$76.5M
+10.3% YoY+2.0% QoQ
|
$-124.3M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.2% in tier |
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| ROA |
1.9%
+0.1% YoY-10.6% QoQ
|
+1.2% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.7% in tier |
| NIM |
4.3%
-11.3% YoY-1.6% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 13.6% in tier |
| Efficiency Ratio |
64.8%
-6.7% YoY-0.5% QoQ
|
-12.2% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate |
0.1%
-56.5% YoY+5.2% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
101.1%
-4.5% YoY-1.3% QoQ
|
+28.8% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 2.1% in tier |
| AMR |
$20,772
+4.8% YoY+0.4% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
5.9%
-57.6% YoY-36.8% QoQ
|
-18.5% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)