BlastPoint's Credit Union Scorecard
MEMBERS 1ST
Charter #6694 · PA
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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 2 that size in Pennsylvania.
- Shares and deposits +2.3% year over year ($7.30B in shares and deposits).
- Membership: 634,162 members, +3.0% vs a year ago.
- Delinquency rate 0.73%.
- Return on assets 2.39%.
- Efficiency ratio 53.93% vs a 66.07% peer average.
- Loan-to-share ratio 96.16% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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)