BlastPoint's Credit Union Scorecard

MEMBERS "FIRST" COMMUNITY

Charter #63368 · IL

1077 CUs in 100M-500M nationally 31 in IL

MEMBERS "FIRST" COMMUNITY has 16 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 4.9% in tier
+ Profitability Leader: Top 7.4% in tier
+ Organic Growth Leader: Top 18.8% in tier
+ Credit Quality Leader: Top 25.4% in tier
+ Emerging Performer: Top 26.8% in tier
+ Wallet Share Momentum: Top 60.8% in tier
+ ROA 1.38% above tier average
+ Net Interest Margin 0.82% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 0.7% in tier
+ Loan-to-Share Ratio: Top 2.1% in tier
+ Fee Income Per Member: Top 5.4% in tier
+ Deposit Growth Rate: Top 6.2% in tier
+ Total Delinquency Rate (60+ days): Top 7.1% in tier
+ Asset Growth Rate: Top 8.9% in tier
+ Share Certificate Concentration (%): Top 9.6% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 2.9% in tier
- Liquidity Strain: Bottom 6.6% in tier
- Cost Spiral: Bottom 15.2% in tier
- Liquidity Overhang: Bottom 51.1% in tier
- Total Deposits: Bottom 0.2% in tier
- Total Assets: Bottom 1.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	7,341 +2.1% YoY-0.3% QoQ	-8.3K	15,628 -3.4% YoY	21,352 +8.3% YoY	33,089 +6.1% YoY	Bottom 12.9% in tier
Assets	$102.7M +10.7% YoY+2.1% QoQ	$-128.6M	$231.3M -0.0% YoY	$379.6M +9.6% YoY	$547.7M +7.8% YoY	Bottom 1.7% in tier
Loans	$76.8M +5.6% YoY+1.7% QoQ	$-71.0M	$147.8M -1.4% YoY	$267.7M +12.9% YoY	$388.7M +8.6% YoY	20%
Deposits	$75.0M +12.7% YoY+2.1% QoQ	$-125.3M	$200.3M -0.0% YoY	$314.3M +10.4% YoY	$464.6M +9.3% YoY	Bottom 0.1% in tier

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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	2.2% -31.0% YoY+0.3% QoQ	+1.4%	0.8% +15.5% YoY	0.8% -108.9% YoY	0.7% +273.4% YoY	Top 2.1% in tier
NIM	4.4% -11.7% YoY+0.2% QoQ	+0.8%	3.6% +6.9% YoY	3.7% +5.1% YoY	3.7% +5.0% YoY	Top 11.6% in tier
Efficiency Ratio	65.2% +10.9% YoY+0.1% QoQ	-12.1%	77.3% -3.0% YoY	90.4% +10.2% YoY	79.1% -3.3% YoY	16%
Delinquency Rate	0.1% -63.9% YoY+278.6% QoQ	-0.7	0.9% +7.6% YoY	1.5% -12.1% YoY	1.2% -0.9% YoY	Bottom 7.1% in tier
Loan To Share	102.4% -6.3% YoY-0.4% QoQ	+29.7%	72.7% -1.5% YoY	62.3% -1.7% YoY	68.0% -1.7% YoY	Top 2.2% in tier
AMR	$20,684 +6.8% YoY+2.2% QoQ	$-4K	$24,363 +2.9% YoY	$15,032 +2.8% YoY	$19,418 +1.3% YoY	40%
CD Concentration	9.4% -36.0% YoY-28.2% QoQ	-15.1%	24.4% +4.2% YoY	13.7% +4.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.2% +3.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Engine

growth

#90 of 603 • Top 4.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.10%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 2.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Profitability Leader

growth

#26 of 340 • Top 7.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.97% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Organic Growth Leader

growth

#248 of 430 • Top 18.8% in tier

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

Why This Signature

Member Growth (YoY): 2.10%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Credit Quality Leader

growth

#87 of 340 • Top 25.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.14%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.24% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Emerging Performer

growth

#52 of 191 • Top 26.8% 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: 2.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.10%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#293 of 481 • Top 60.8% in tier

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

Why This Signature

AMR Growth (YoY): 6.78%

(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

Concerns (4)

Margin Compression

decline

#13 of 136 • Bottom 2.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 2.16%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 3.13%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.97% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Strain

risk

#52 of 258 • Bottom 6.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 102.42%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.65%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Cost Spiral

risk

#38 of 62 • Bottom 15.2% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.43% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 52.00%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Liquidity Overhang

risk

#69 of 134 • Bottom 51.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 26.15%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 102.42%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 26.15%

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.16%

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 102.42%

Peer Avg: -

#24 of 1077 Top 2.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $299.32

Peer Avg: -

#59 of 1077 Top 5.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.72%

Peer Avg: -

#68 of 1077 Top 6.2% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Avg: -

#78 of 1077 Top 7.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.69%

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

104

Share Certificate Concentration (%)

balance_sheet

Value: 9.35%

Peer Avg: -

#104 of 1077 Top 9.6% in 100M-500M tier

125

Net Interest Margin (NIM)

profitability

Value: 4.41%

Peer Avg: -

#125 of 1077 Top 11.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1076

Total Deposits

balance_sheet

Value: $75.01M

Peer Avg: -

#1076 of 1077 Bottom 0.2% in 100M-500M tier

1059

Total Assets

balance_sheet

Value: $102.71M

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

938

Total Members

engagement

Value: 7,341

Peer Avg: -

#938 of 1077 Bottom 13.0% in 100M-500M tier

865

Total Loans

balance_sheet

Value: $76.83M

Peer Avg: -

#865 of 1077 Bottom 19.8% in 100M-500M tier

830

First Mortgage Concentration (%)

balance_sheet

Value: 43.01%

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier

829

Members Per Employee (MPE)

engagement

Value: 262.179

Peer Avg: -

#829 of 1077 Bottom 23.1% in 100M-500M tier