BlastPoint's Credit Union Scorecard
MEMBERS 1ST
Charter #63899 · VT
MEMBERS 1ST has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 9.89% above tier (higher cost structure)
- - Delinquency rate 1.14% above tier average
- - Share Certificate Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,117
-0.2% YoY-0.3% QoQ
|
-498 |
2,615
-1.9% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$22.8M
+7.8% YoY+1.6% QoQ
|
$-7.3M |
$30.1M
+2.1% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$15.3M
+0.5% YoY-0.5% QoQ
|
$-417K |
$15.8M
-1.3% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$20.7M
+8.2% YoY+1.6% QoQ
|
$-5.0M |
$25.7M
+1.4% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.4%
+146.3% YoY+23.9% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.7%
+1.6% YoY+0.6% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
92.4%
-4.6% YoY-1.5% QoQ
|
+9.9% |
82.6%
-2.3% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
2.7%
+28.6% YoY+272.6% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
Top 14.9% in tier |
| Loan To Share |
74.2%
-7.1% YoY-2.1% QoQ
|
+13.6% |
60.6%
-3.1% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$17,013
+5.0% YoY+1.0% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
38.5%
-6.1% YoY+0.4% QoQ
|
+14.1% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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)