BlastPoint's Credit Union Scorecard
MEMBERS FIRST
Charter #67153 · UT
MEMBERS FIRST has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 9.7% in tier
- + Credit Quality Leader: Top 33.0% in tier
- + Wallet Share Momentum: Top 80.6% in tier
- + ROA 1.24% above tier average
- + Efficiency Ratio: Top 3.0% in tier
- + Total Delinquency Rate (60+ days): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.1% in tier
- - Stagnation Risk: Bottom 16.0% in tier
- - Membership Headwinds: Bottom 29.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,731
-0.8% YoY-0.5% QoQ
|
-1.9K |
15,628
-3.4% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$197.6M
+8.4% YoY+2.7% QoQ
|
$-33.7M |
$231.3M
-0.0% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$94.8M
+0.4% YoY+0.2% QoQ
|
$-53.0M |
$147.8M
-1.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$167.6M
+7.7% YoY+2.7% QoQ
|
$-32.6M |
$200.3M
-0.0% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
2.0%
+7.9% YoY+11.6% QoQ
|
+1.2% |
0.8%
+15.5% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
Top 2.9% in tier |
| NIM |
3.6%
+0.0% YoY-0.7% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
52.3%
-9.4% YoY-7.7% QoQ
|
-25.0% |
77.3%
-3.0% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
0.2%
-40.1% YoY-15.9% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 9.1% in tier |
| Loan To Share |
56.5%
-6.9% YoY-2.5% QoQ
|
-16.2% |
72.7%
-1.5% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$19,113
+5.8% YoY+2.3% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
30.5%
+20.2% YoY+0.3% QoQ
|
+6.0% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
22.3%
-15.8% YoY-3.2% QoQ
|
+8.3% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)