BlastPoint's Credit Union Scorecard

MEMBERS FIRST

Charter #67153 · UT

1069 CUs in 100M-500M nationally 13 in UT

MEMBERS FIRST has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 40.2% in tier
+ ROA 1.02% above tier average
+ Efficiency Ratio: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 37.0% in tier
- Membership Headwinds: Bottom 75.8% in tier
- Credit Quality Pressure: Bottom 89.6% in tier
- Credit Risk Growth: Bottom 89.9% in tier
- Stagnation Risk: Bottom 93.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	13,652 -1.5% YoY-0.6% QoQ	-1.8K	15,437 -2.9% YoY	78,581 +8.3% YoY	33,374 +5.7% YoY	51%
Assets	$199.7M +8.3% YoY+1.1% QoQ	$-32.2M	$231.9M +1.3% YoY	$1.2B +12.9% YoY	$561.6M +9.7% YoY	50%
Loans	$95.8M +4.0% YoY+1.0% QoQ	$-51.6M	$147.3M -0.1% YoY	$958.3M +12.4% YoY	$397.0M +8.8% YoY	32%
Deposits	$171.2M +8.8% YoY+2.1% QoQ	$-29.6M	$200.8M +0.8% YoY	$1.1B +12.7% YoY	$477.3M +9.7% YoY	50%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.8% -0.2% YoY-12.3% QoQ	+1.0%	0.8% +18.2% YoY	0.8% +12.1% YoY	0.7% +15.9% YoY	Top 4.4% in tier
NIM	3.3% -3.8% YoY-8.0% QoQ	-0.3%	3.6% +6.7% YoY	3.4% +4.7% YoY	3.8% +5.1% YoY	31%
Efficiency Ratio	55.8% -3.2% YoY+6.7% QoQ	-21.2%	77.0% -3.1% YoY	72.6% -3.7% YoY	79.7% -3.3% YoY	Bottom 3.9% in tier
Delinquency Rate	0.3% +14.2% YoY+60.6% QoQ	-0.6	0.9% +4.2% YoY	1.0% +50.5% YoY	1.3% -2.1% YoY	Bottom 14.5% in tier
Loan To Share	55.9% -4.4% YoY-1.1% QoQ	-16.3%	72.2% -1.1% YoY	76.7% -4.3% YoY	67.4% -1.7% YoY	17%
AMR	$19,557 +8.6% YoY+2.3% QoQ	$-5K	$24,676 +3.4% YoY	$21,704 +5.2% YoY	$19,687 +2.0% YoY	31%
CD Concentration	31.2% +15.1% YoY+2.5% QoQ	+6.8%	24.4%	28.4%	19.8%	50%
Indirect Auto %	21.0% -17.7% YoY-6.0% QoQ	+7.2%	13.8%	7.4%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#207 of 513 • Top 40.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.58%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#188 of 506 • Bottom 37.0% in tier

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

Why This Signature

Asset Growth (YoY): 8.32%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 20.97%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.45%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#420 of 554 • Bottom 75.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.45%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#632 of 705 • Bottom 89.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk

#410 of 456 • Bottom 89.9% in tier

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

Why This Signature

Loan Growth (YoY): 4.01%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Stagnation Risk

risk

#519 of 554 • Bottom 93.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.45%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.01%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.28%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

Efficiency Ratio

profitability

Value: 55.82%

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.78%

Peer Median: -

#47 of 1069 Top 4.3% in 100M-500M tier

113

First Mortgage Concentration (%)

balance_sheet

Value: 8.46%

Peer Median: -

#113 of 1069 Top 10.5% in 100M-500M tier

156

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Median: -

#156 of 1069 Top 14.5% in 100M-500M tier

165

AMR Growth Rate

growth

Value: 8.58%

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

179

Deposit Growth Rate

growth

Value: 8.75%

Peer Median: -

#179 of 1069 Top 16.7% in 100M-500M tier

181

Net Worth Ratio

risk

Value: 14.66%

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

228

Asset Growth Rate

growth

Value: 8.32%

Peer Median: -

#228 of 1069 Top 21.2% in 100M-500M tier

Top Weaknesses (3 metrics)

889

Loan-to-Share Ratio

balance_sheet

Value: 55.94%

Peer Median: -

#889 of 1069 Bottom 16.9% in 100M-500M tier

823

Loan-to-Member Ratio (LMR)

engagement

Value: $7,016

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier

810

Share Certificate Concentration (%)

balance_sheet

Value: 31.22%

Peer Median: -

#810 of 1069 Bottom 24.3% in 100M-500M tier