BlastPoint's Credit Union Scorecard

MEMBERS FIRST

Charter #67153 · UT

100M-500M

1070 CUs in 100M-500M nationally 12 in UT

MEMBERS FIRST has 4 strengths but faces 3 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 50.0% in tier
+ ROA 1.18% above tier average
+ Efficiency Ratio: Top 4.5% in tier
+ AMR Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	13,576 -1.6% YoY-0.6% QoQ	-1.6K	15,145 -2.5% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	52%
Assets	$206.1M +7.5% YoY+3.2% QoQ	$-25.6M	$231.7M +0.8% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	52%
Loans	$99.0M +11.5% YoY+3.4% QoQ	$-45.2M	$144.1M +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	36%
Deposits	$174.4M +6.8% YoY+1.9% QoQ	$-26.7M	$201.1M +0.4% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	51%

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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	1.9% +10.0% YoY+7.1% QoQ	+1.2%	0.7% +5.1% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	Top 4.9% in tier
NIM	3.5% -0.9% YoY+7.6% QoQ	-0.1%	3.6% +4.6% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	55.5% -3.4% YoY-0.6% QoQ	-22.5%	78.0% -1.7% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	Top 4.5% in tier
Delinquency Rate	0.3% -10.1% YoY+2.0% QoQ	-0.5	0.8% +7.1% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	21%
Loan To Share	56.8% +4.4% YoY+1.4% QoQ	-13.7%	70.4% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	21%
AMR	$20,141 +10.3% YoY+3.0% QoQ	$-5K	$24,918 +2.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	33%
CD Concentration	31.2% +13.9% YoY-0.1% QoQ	+6.9%	24.3%	28.4%	19.8%	50%
Indirect Auto %	19.6% -21.2% YoY-6.5% QoQ	+5.8%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#115 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 10.26%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#202 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 7.53%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 19.61%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.64%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#410 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.64%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#548 of 570 • Bottom 50.0% 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): -1.64%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 11.47%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.29%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (10 metrics)

Efficiency Ratio

profitability

Value: 55.50%

Peer Median: 78.68%

#49 of 1070 Top 4.5% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.91%

Peer Median: 0.69%

#52 of 1070 Top 4.8% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.26%

Peer Median: 3.46%

#91 of 1070 Top 8.4% in 100M-500M tier

112

First Mortgage Concentration (%)

balance_sheet

Value: 8.37%

Peer Median: 29.47%

#112 of 1070 Top 10.4% in 100M-500M tier

131

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.35%

#131 of 1070 Top 12.1% in 100M-500M tier

136

Loan Growth Rate

growth

Value: 11.47%

Peer Median: 2.93%

#136 of 1070 Top 12.6% in 100M-500M tier

177

Net Worth Ratio

risk

Value: 14.68%

Peer Median: 11.45%

#177 of 1070 Top 16.4% in 100M-500M tier

226

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.61%

#226 of 1070 Top 21.0% in 100M-500M tier

227

Asset Growth Rate

growth

Value: 7.53%

Peer Median: 3.91%

#227 of 1070 Top 21.1% in 100M-500M tier

248

Deposit Growth Rate

growth

Value: 6.81%

Peer Median: 3.30%

#248 of 1070 Top 23.1% in 100M-500M tier

Top Weaknesses (2 metrics)

846

Loan-to-Share Ratio

balance_sheet

Value: 56.75%

Peer Median: 71.88%

#846 of 1070 Bottom 21.0% in 100M-500M tier

811

Share Certificate Concentration (%)

balance_sheet

Value: 31.21%

Peer Median: 23.10%

#811 of 1070 Bottom 24.3% in 100M-500M tier