BlastPoint's Credit Union Scorecard

MEMBERS "FIRST" COMMUNITY

Charter #63368 · IL

100M-500M

1024 CUs in 100M-500M nationally 24 in IL

MEMBERS "FIRST" COMMUNITY has 8 strengths but faces 4 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
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.88% above tier average
+ Net Interest Margin 0.41% above tier average
+ Net Worth Ratio: Top 0.9% in tier
+ Fee Income Per Member: Top 1.3% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Total Deposits: Bottom 0.6% in tier
- Total Assets: Bottom 7.8% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Illinois.
Shares and deposits +12.2% year over year ($82.4M in shares and deposits).
Membership: 7,545 members, +2.5% vs a year ago.
Delinquency rate 0.03%.
Return on assets 1.74%.
Efficiency ratio 68.53% vs a 76.73% peer average.
Loan-to-share ratio 95.80% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	7,545 +2.5% YoY+1.0% QoQ	-7.6K	15,168 -2.6% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	15%
Assets	$111.6M +10.9% YoY+0.2% QoQ	$-120.4M	$232.0M +0.7% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	Bottom 7.7% in tier
Loans	$78.9M +4.5% YoY+2.1% QoQ	$-67.3M	$146.3M +0.2% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	23%
Deposits	$82.4M +12.2% YoY-0.1% QoQ	$-118.3M	$200.7M +0.2% YoY	$358.8M +15.8% YoY	$504.8M +10.3% 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	1.7% -19.4% YoY-29.3% QoQ	+0.9%	0.9% +12.5% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	Top 7.1% in tier
NIM	4.1% -6.8% YoY-0.3% QoQ	+0.4%	3.7% +4.5% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	75%
Efficiency Ratio	68.5% +5.2% YoY+8.0% QoQ	-8.2%	76.7% -0.8% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	23%
Delinquency Rate	0.0% -71.4% QoQ	-0.9	0.9% +6.6% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	Top 1.8% in tier
Loan To Share	95.8% -6.8% YoY+2.2% QoQ	+24.3%	71.5% -0.3% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	Top 5.3% in tier
AMR	$21,386 +5.6% YoY-0.0% QoQ	$-4K	$25,107 +3.2% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	40%
CD Concentration	3.3% -74.8% YoY-3.6% QoQ	-21.3%	24.6%	14.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.8%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#24 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.50%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.74%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Emerging Performer

growth

#46 of 175 • 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: 1.74%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.50%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Organic Growth Leader

growth

#175 of 342 • 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): 2.50%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#423 of 483 • 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): 5.63%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (2)

Margin Compression

decline

#26 of 140 • Bottom 50.0% 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: 1.74%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.16%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.42% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

Liquidity Strain

risk

#105 of 224 • 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: 95.80%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 4.49%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 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 1024 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 25.42%

Peer Median: 11.71%

#10 of 1024 Top 0.9% in 100M-500M tier

Fee Income Per Member

profitability

Value: $412.86

Peer Median: $159.88

#14 of 1024 Top 1.3% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: 0.71%

#19 of 1024 Top 1.8% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 3.28%

Peer Median: 23.39%

#38 of 1024 Top 3.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.17%

Peer Median: 3.58%

#50 of 1024 Top 4.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.80%

Peer Median: 73.07%

#54 of 1024 Top 5.2% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.94%

Peer Median: 4.12%

#71 of 1024 Top 6.8% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.74%

Peer Median: 0.75%

#73 of 1024 Top 7.0% in 100M-500M tier

233

Efficiency Ratio

profitability

Value: 68.53%

Peer Median: 77.26%

#233 of 1024 Top 22.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1019

Total Deposits

balance_sheet

Value: $82.41M

Peer Median: $170.77M

#1019 of 1024 Bottom 0.6% in 100M-500M tier

945

Total Assets

balance_sheet

Value: $111.61M

Peer Median: $196.38M

#945 of 1024 Bottom 7.8% in 100M-500M tier

867

Total Members

engagement

Value: 7,545

Peer Median: 13,128

#867 of 1024 Bottom 15.4% in 100M-500M tier

790

Total Loans

balance_sheet

Value: $78.95M

Peer Median: $124.04M

#790 of 1024 Bottom 22.9% in 100M-500M tier