BlastPoint's Credit Union Scorecard
MEMBERS 1ST
Charter #6694 · PA
MEMBERS 1ST has 6 strengths but faces 7 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
- + Organic Growth Engine: Top 26.4% in tier
- + ROA 1.21% above tier average
- + Net Interest Margin 1.24% above tier average
- + First Mortgage Concentration (%): Top 3.0% in tier
- + Efficiency Ratio: Top 6.1% in tier
- + Total Members: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 35.3% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 66.7% in tier
- - Credit Quality Pressure: Bottom 75.0% in tier
- - Credit Risk Growth: Bottom 83.3% in tier
- - Delinquency rate 0.15% above tier average
- - Indirect Auto Concentration (%): Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
625,928
+4.0% YoY+0.2% QoQ
|
+180.0K |
445,922
+0.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 9.1% in tier |
| Assets |
$8.3B
+3.5% YoY+0.9% QoQ
|
$-595.3M |
$8.9B
+0.9% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$6.9B
+3.9% YoY-0.4% QoQ
|
+$626.0M |
$6.3B
+0.8% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$7.1B
+1.1% YoY+0.3% QoQ
|
$-431.1M |
$7.5B
+1.2% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
2.2%
+37.9% YoY-2.0% QoQ
|
+1.2% |
1.0%
+27.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 3.0% in tier |
| NIM |
4.2%
+11.1% YoY+1.3% QoQ
|
+1.2% |
3.0%
+12.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
52.3%
-6.4% YoY+2.3% QoQ
|
-12.5% |
64.8%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate |
0.9%
+6.8% YoY+0.6% QoQ
|
+0.1 |
0.7%
+5.5% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
97.1%
+2.8% YoY-0.7% QoQ
|
+13.7% |
83.4%
-0.6% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$22,321
-1.5% YoY-0.2% QoQ
|
$-12K |
$34,266
-1.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.1% in tier |
| CD Concentration |
34.8%
-8.7% YoY+0.3% QoQ
|
+5.7% | 29.1% | 15.5% | 19.8% | 72% |
| Indirect Auto % |
40.3%
+0.7% YoY-2.4% QoQ
|
+23.2% | 17.1% | 8.1% | 7.8% | Top 4.5% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)