BlastPoint's Credit Union Scorecard

MEMBERS 1ST

Charter #63899 · VT

<100M

2508 CUs in <100M nationally 6 in VT

MEMBERS 1ST has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

VT Analysis

How does VT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.45% above tier average
+ Net Charge-Off Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 1.29% above tier average
- Share Certificate Concentration (%): Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Members	2,111 -0.4% YoY-0.3% QoQ	-565	2,676 +1.6% YoY	34,947 +27.0% YoY	33,913 +5.7% YoY	54%
Assets	$23.2M +6.2% YoY+1.5% QoQ	$-7.0M	$30.2M +1.3% YoY	$561.0M +28.1% YoY	$578.3M +9.0% YoY	52%
Loans	$15.1M -0.2% YoY-1.4% QoQ	$-144K	$15.3M -2.0% YoY	$444.4M +31.6% YoY	$402.4M +8.7% YoY	62%
Deposits	$21.0M +6.3% YoY+1.5% QoQ	$-4.8M	$25.8M +0.7% YoY	$477.2M +28.5% YoY	$494.3M +9.1% YoY	53%

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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	0.6% -803.9% YoY+67.1% QoQ	+0.4%	0.1% -77.6% YoY	-0.0% -100.2% YoY	0.4% -39.2% YoY	49%
NIM	3.7% +4.8% YoY-0.6% QoQ	-0.3%	4.0% +4.0% YoY	4.2% +0.1% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	86.8% -14.8% YoY-6.1% QoQ	-3.8%	90.6% +6.5% YoY	97.1% +12.1% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	2.8% +627.9% YoY+3.5% QoQ	+1.3	1.5% +3.8% YoY	1.6% +62.8% YoY	1.2% +3.4% YoY	Bottom 12.4% in tier
Loan To Share	72.1% -6.1% YoY-2.8% QoQ	+13.6%	58.5% -3.0% YoY	82.0% -1.5% YoY	65.6% -1.4% YoY	70%
AMR	$17,110 +3.9% YoY+0.6% QoQ	+$2K	$14,884 -1.7% YoY	$18,239 -7.1% YoY	$19,920 +1.6% YoY	66%
CD Concentration	37.6% -4.0% YoY-2.3% QoQ	+13.3%	24.3%	21.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

229

Net Charge-Off Rate

risk

Value: -0.12%

Peer Median: 0.07%

#229 of 2508 Top 9.1% in <100M tier

456

Deposit Growth Rate

growth

Value: 6.27%

Peer Median: 0.66%

#456 of 2508 Top 18.1% in <100M tier

466

Asset Growth Rate

growth

Value: 6.18%

Peer Median: 1.30%

#466 of 2508 Top 18.5% in <100M tier

591

Loan-to-Member Ratio (LMR)

engagement

Value: $7,171

Peer Median: $4,923

#591 of 2508 Top 23.5% in <100M tier

Top Weaknesses (5 metrics)

2277

Share Certificate Concentration (%)

balance_sheet

Value: 37.60%

Peer Median: 12.45%

#2277 of 2508 Bottom 9.3% in <100M tier

2230

First Mortgage Concentration (%)

balance_sheet

Value: 43.61%

Peer Median: 3.66%

#2230 of 2508 Bottom 11.1% in <100M tier

2228

Net Worth Ratio

risk

Value: 9.15%

Peer Median: 14.28%

#2228 of 2508 Bottom 11.2% in <100M tier

2197

Total Delinquency Rate (60+ days)

risk

Value: 2.79%

Peer Median: 0.65%

#2197 of 2508 Bottom 12.4% in <100M tier

1939

Members Per Employee (MPE)

engagement

Value: 234.556

Peer Median: 333.750

#1939 of 2508 Bottom 22.7% in <100M tier