MEMBERS 1ST
Charter #63899 | VT
<100M
(2596 CUs)
Micro
($0-$500M)
8 <100M in VT
MEMBERS 1ST has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 7.5% in tier
- + Asset Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 12.49% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,124
-1.3% YoY0% QoQ
|
-501 |
2,625
-2.2% YoY
|
29,911
+10.3% YoY
|
33,089
+6.1% YoY
|
54th in tier |
| Assets |
$22.5M
+9.9% YoY+0.2% QoQ
|
$-7.4M |
$29.9M
+1.1% YoY
|
$474.3M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
51st in tier |
| Loans |
$15.4M
+1.8% YoY-0.3% QoQ
|
$-339K |
$15.8M
-2.4% YoY
|
$376.7M
+12.8% YoY
|
$388.7M
+8.6% YoY
|
62nd in tier |
| Deposits |
$20.4M
+11.0% YoY+0.0% QoQ
|
$-5.1M |
$25.5M
+0.4% YoY
|
$399.6M
+12.0% YoY
|
$464.6M
+9.3% YoY
|
53rd in tier |
| ROA |
0.3%
+46.4% YoY+209.2% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
+14.5% YoY
|
0.7%
+273.4% YoY
|
27th in tier |
| NIM |
3.7%
-4.9% YoY+2.3% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
4.2%
+0.1% YoY
|
3.7%
+5.0% YoY
|
42nd in tier |
| Efficiency Ratio |
93.9%
-2.3% YoY-4.2% QoQ
|
+12.5% |
81.4%
-2.4% YoY
|
78.8%
-0.4% YoY
|
79.1%
-3.3% YoY
|
Top 17.7% in tier |
| Delinquency Rate |
0.7%
-59.1% YoY-18.8% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.4%
+18.2% YoY
|
1.2%
-0.9% YoY
|
52nd in tier |
| Loan To Share |
75.8%
-8.2% YoY-0.3% QoQ
|
+14.6% |
61.2%
-3.0% YoY
|
82.0%
-5.1% YoY
|
68.0%
-1.7% YoY
|
71st in tier |
| AMR |
$16,848
+8.3% YoY-0.1% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$19,091
-0.7% YoY
|
$19,418
+1.3% YoY
|
67th in tier |
| CD Concentration |
38.3%
-1.6% YoY-3.1% QoQ
|
+13.9% |
24.4%
+4.2% YoY
|
22.7%
-1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.9%
-7.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
195
Deposit Growth Rate
growth
Value:
10.96%
Peer Avg: 16.80%
#195 of 2596
Top 7.5% in <100M tier
227
Asset Growth Rate
growth
Value:
9.89%
Peer Avg: 1.82%
#227 of 2596
Top 8.7% in <100M tier
342
AMR Growth Rate
growth
Value:
8.29%
Peer Avg: 4.67%
#342 of 2596
Top 13.1% in <100M tier
616
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,264
Peer Avg: $5,488
#616 of 2596
Top 23.7% in <100M tier
Top Weaknesses (4 metrics)
2374
Share Certificate Concentration (%)
balance_sheet
Value:
38.33%
Peer Avg: 15.37%
#2374 of 2596
Bottom 8.6% in <100M tier
2327
Net Worth Ratio
risk
Value:
9.14%
Peer Avg: 16.43%
#2327 of 2596
Bottom 10.4% in <100M tier
2285
First Mortgage Concentration (%)
balance_sheet
Value:
41.77%
Peer Avg: 14.49%
#2285 of 2596
Bottom 12.0% in <100M tier
2138
Efficiency Ratio
profitability
Value:
93.89%
Peer Avg: 81.39%
#2138 of 2596
Bottom 17.7% in <100M tier