BlastPoint's Credit Union Scorecard
MEMBERS 1ST
Charter #6694 · PA
Members 1st at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
Members 1st is one of 101 credit unions in the 2026 VentureTech card set. We also found Members 1st's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
Tap a card to see it up close
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MEMBERS 1ST
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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MEMBERS 1ST'S BIGGEST OPPORTUNITY
NCUA call report, June 30, 2026.
Members 1st is headed to VentureTech in Fort Worth! Check out our trading card.
MEMBERS 1ST has 5 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.36% above tier average
- + Net Interest Margin 1.17% above tier average
- + First Mortgage Concentration (%): Top 3.6% in tier
- + Net Worth Ratio: Top 7.1% in tier
- + Total Members: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19.7% in tier
- - Indirect Auto Dependency: Bottom 62.5% in tier
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
634,162
+3.0% YoY+0.7% QoQ
|
+195.3K |
438,885
-1.1% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Top 10.7% in tier |
| Assets |
$8.7B
+4.5% YoY+0.6% QoQ
|
$-258.3M |
$8.9B
+0.0% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$7.0B
+3.0% YoY+2.2% QoQ
|
+$802.8M |
$6.2B
-0.6% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$7.3B
+2.3% YoY-0.4% QoQ
|
$-357.2M |
$7.7B
+2.7% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
2.4%
+10.3% YoY+6.9% QoQ
|
+1.4% |
1.0%
+4.7% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 3.6% in tier |
| NIM |
4.2%
+5.6% YoY+1.1% QoQ
|
+1.2% |
3.1%
+6.6% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
53.9%
+4.2% YoY-0.1% QoQ
|
-12.1% |
66.1%
+1.6% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
0.7%
-18.7% YoY+2.0% QoQ
|
-0.1 |
0.8%
+23.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
96.2%
+0.7% YoY+2.5% QoQ
|
+14.9% |
81.3%
-3.8% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$22,578
-0.3% YoY+0.2% QoQ
|
$-15K |
$37,279
+8.1% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.7% in tier |
| CD Concentration |
33.3%
-5.9% YoY-0.3% QoQ
|
+5.0% | 28.3% | 15.6% | 20.0% | 73% |
| Indirect Auto % |
41.3%
+0.2% YoY+2.1% QoQ
|
+24.5% | 16.8% | 8.4% | 7.7% | Bottom 4.5% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)