BlastPoint's Credit Union Scorecard
MEMBERS 1ST
Charter #6694 · PA
MEMBERS 1ST has 5 strengths but faces 5 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.29% above tier average
- + Net Interest Margin 1.15% above tier average
- + First Mortgage Concentration (%): Top 3.4% in tier
- + Net Worth Ratio: Top 6.9% in tier
- + Total Members: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 22.7% in tier
- - Indirect Auto Dependency: Bottom 67.2% in tier
- - Shrinking Wallet Share: Bottom 89.1% in tier
- - Delinquency rate 0.09% above tier average
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
629,837
+3.4% YoY+0.6% QoQ
|
+192.9K |
436,889
-2.3% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Top 10.3% in tier |
| Assets |
$8.6B
+3.7% YoY+3.3% QoQ
|
$-296.7M |
$8.9B
-0.1% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
34% |
| Loans |
$6.9B
+2.6% YoY-0.2% QoQ
|
+$722.1M |
$6.1B
-1.1% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$7.3B
+1.5% YoY+3.4% QoQ
|
$-329.5M |
$7.7B
+1.8% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
2.2%
+12.6% YoY+2.4% QoQ
|
+1.3% |
0.9%
+16.3% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 3.4% in tier |
| NIM |
4.2%
+8.0% YoY-0.0% QoQ
|
+1.1% |
3.1%
+6.3% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
54.0%
+4.4% YoY+3.2% QoQ
|
-12.1% |
66.1%
-2.8% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
0.7%
-3.8% YoY-17.4% QoQ
|
+0.1 |
0.6%
+12.0% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
93.8%
+1.1% YoY-3.5% QoQ
|
+13.4% |
80.4%
-3.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$22,536
-1.3% YoY+1.0% QoQ
|
$-15K |
$37,056
+6.8% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
33.4%
-8.4% YoY-4.2% QoQ
|
+4.7% | 28.6% | 15.4% | 19.8% | 71% |
| Indirect Auto % |
40.4%
-0.1% YoY+0.4% QoQ
|
+24.1% | 16.4% | 8.3% | 7.7% | Bottom 4.5% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)