BlastPoint's Credit Union Scorecard
MEMBERS 1ST
Charter #63899 · VT
MEMBERS 1ST has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Delinquency rate 0.52% above tier average
- - Share Certificate Concentration (%): Bottom 9.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Vermont.
- Shares and deposits +1.9% year over year ($20.7M in shares and deposits).
- Membership: 2,095 members, -1.4% vs a year ago.
- Delinquency rate 2.07%.
- Return on assets 0.67%.
- Efficiency ratio 85.68% vs a 88.77% peer average.
- Loan-to-share ratio 72.48% vs a 58.89% 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 (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,095
-1.4% YoY-0.8% QoQ
|
-490 |
2,585
-1.7% YoY
|
37,967
+37.2% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$22.9M
+2.3% YoY-1.0% QoQ
|
$-7.3M |
$30.3M
+1.5% YoY
|
$616.1M
+40.0% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$15.0M
-2.8% YoY-0.7% QoQ
|
$-422K |
$15.5M
-1.7% YoY
|
$487.9M
+41.8% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$20.7M
+1.9% YoY-1.1% QoQ
|
$-5.1M |
$25.8M
+1.1% YoY
|
$523.2M
+40.1% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.7%
+620.7% YoY+12.6% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.7%
+9.2% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
3.8%
+4.0% YoY+1.7% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
4.2%
+1.7% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
85.7%
-12.6% YoY-1.3% QoQ
|
-3.1% |
88.8%
-6.9% YoY
|
84.8%
+1.1% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
2.1%
+132.0% YoY-26.0% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
1.6%
+27.6% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
72.5%
-4.7% YoY+0.5% QoQ
|
+13.6% |
58.9%
-3.1% YoY
|
83.0%
-0.1% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$17,079
+1.3% YoY-0.2% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$19,847
+0.2% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
37.7%
-4.7% YoY+0.3% QoQ
|
+13.1% | 24.6% | 23.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)