MEMBERS 1ST

Charter #6694 | PA

7B-10B (30 CUs) Large (64 CUs)
3 7B-10B in PA

MEMBERS 1ST has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 6.1% in tier
  • + ROA 1.20% above tier average
  • + Net Interest Margin 1.15% above tier average
  • + First Mortgage Concentration (%): Top 3.3% in tier
  • + Efficiency Ratio: Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 11.8% in tier
  • - Indirect Auto Dependency: Bottom 13.1% in tier
  • - Credit Quality Pressure: Bottom 18.0% in tier
  • - Growth-at-Risk: Bottom 18.6% in tier
  • - Shrinking Wallet Share: Bottom 27.1% in tier
  • - Liquidity Overhang: Bottom 32.7% in tier
  • - Delinquency rate 0.19% above tier average
  • - Indirect Auto Concentration (%): Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 624,987
+4.8% YoY+1.5% QoQ
 +165.7K 459,296
+3.8% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Top 16.7% in tier
Assets $8.3B
+2.7% YoY-0.3% QoQ
 $-660.9M $8.9B
+1.2% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 20.0% in tier
Loans $6.9B
+5.3% YoY+1.4% QoQ
 +$567.8M $6.3B
+2.9% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $7.1B
+2.8% YoY-1.0% QoQ
 $-389.8M $7.5B
+2.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 30th in tier
ROA 2.2%
+37.1% YoY+2.9% QoQ
 +1.2% 1.0%
+22.1% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 3.3% in tier
NIM 4.1%
+9.7% YoY+3.2% QoQ
 +1.1% 3.0%
+11.5% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Top 3.3% in tier
Efficiency Ratio 51.1%
-8.4% YoY-1.2% QoQ
 -12.6% 63.7%
-2.2% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 6.7% in tier
Delinquency Rate 0.9%
+4.5% YoY-4.0% QoQ
 +0.2 0.7%
+10.8% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 63rd in tier
Loan To Share 97.8%
+2.5% YoY+2.4% QoQ
 +12.4% 85.4%
+0.7% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 73rd in tier
AMR $22,357
-0.7% YoY-1.3% QoQ
 $-11K $33,660
-2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 13.3% in tier
CD Concentration 34.7%
-7.9% YoY-1.9% QoQ
 +5.8% 28.9%
-1.3% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 72nd in tier
Indirect Auto % 41.2%
+2.4% YoY+0.2% QoQ
 +24.6% 16.6%
-10.3% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Top 1.6% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#10 of 50 • Top 6.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.77%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 2.23%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 41.25%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY

Concerns (6)

Liquidity Strain

risk
#11 of 32 • Bottom 11.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 97.81%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.32%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#14 of 33 • Bottom 13.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.75%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 41.25%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.77%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#23 of 34 • Bottom 18.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Growth-at-Risk

risk
#19 of 25 • Bottom 18.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.32%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY

Shrinking Wallet Share

decline
#14 of 15 • Bottom 27.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.73%
(Tier: 2.82%, National: 4.19%)
worse than tier avg
15 of 64 Large CUs have this signature | 346 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Liquidity Overhang

risk
#19 of 24 • Bottom 32.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.90%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 97.81%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | Rank worsening

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)

Comparing against 30 peers in tier

Top Strengths (8 metrics)

1
Return on Assets (ROA)
profitability
Value: 2.23%
Peer Avg: 1.03%
#1 of 30 Top 0.0% in 7B-10B tier
1
Net Interest Margin (NIM)
profitability
Value: 4.15%
Peer Avg: 3.00%
#1 of 30 Top 0.0% in 7B-10B tier
2
First Mortgage Concentration (%)
balance_sheet
Value: 13.59%
Peer Avg: 38.48%
#2 of 30 Top 3.3% in 7B-10B tier
3
Efficiency Ratio
profitability
Value: 51.13%
Peer Avg: 63.73%
#3 of 30 Top 6.7% in 7B-10B tier
5
Total Members
engagement
Value: 624,987
Peer Avg: 459,296
#5 of 30 Top 13.3% in 7B-10B tier
7
Member Growth Rate
growth
Value: 4.77%
Peer Avg: 2.85%
#7 of 30 Top 20.0% in 7B-10B tier
8
Net Worth Ratio
risk
Value: 13.90%
Peer Avg: 12.36%
#8 of 30 Top 23.3% in 7B-10B tier
8
Loan-to-Share Ratio
balance_sheet
Value: 97.81%
Peer Avg: 85.44%
#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (5 metrics)

30
Indirect Auto Concentration (%)
balance_sheet
Value: 41.25%
Peer Avg: 18.85%
#30 of 30 Bottom 3.3% in 7B-10B tier
26
Average Member Relationship (AMR)
engagement
Value: $22,357
Peer Avg: $33,660
#26 of 30 Bottom 16.7% in 7B-10B tier
25
Share Certificate Concentration (%)
balance_sheet
Value: 34.71%
Peer Avg: 26.92%
#25 of 30 Bottom 20.0% in 7B-10B tier
24
Loan-to-Member Ratio (LMR)
engagement
Value: $11,055
Peer Avg: $15,544
#24 of 30 Bottom 23.3% in 7B-10B tier
24
Total Assets
balance_sheet
Value: $8.26B
Peer Avg: $8.92B
#24 of 30 Bottom 23.3% in 7B-10B tier