BlastPoint's Credit Union Scorecard

MEMBERSFIRST

Charter #67538 · GA

100M-500M

1024 CUs in 100M-500M nationally 18 in GA

MEMBERSFIRST has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Strong member growth: 6.6% YoY
+ Total Deposits: Top 6.0% in tier
+ Member Growth Rate: Top 6.5% in tier
+ Total Loans: Top 6.7% in tier
+ Total Assets: Top 6.9% in tier
+ First Mortgage Concentration (%): Top 7.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.07% below tier average
- AMR Growth Rate: Bottom 9.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
Shares and deposits +2.9% year over year ($377M in shares and deposits).
Membership: 28,246 members, +6.6% vs a year ago.
Delinquency rate 0.20%.
Return on assets 0.80%.
Efficiency ratio 76.64% vs a 76.73% peer average.
Loan-to-share ratio 77.97% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	28,246 +6.6% YoY+5.4% QoQ	+13.1K	15,168 -2.6% YoY	32,666 +7.6% YoY	34,678 +6.6% YoY	Top 7.8% in tier
Assets	$429.0M +3.2% YoY-0.0% QoQ	+$197.0M	$232.0M +0.7% YoY	$529.0M +8.4% YoY	$593.1M +10.2% YoY	Top 7.0% in tier
Loans	$293.8M +6.3% YoY+2.4% QoQ	+$147.5M	$146.3M +0.2% YoY	$366.4M +11.0% YoY	$418.6M +10.1% YoY	Top 6.8% in tier
Deposits	$376.8M +2.9% YoY+0.0% QoQ	+$176.1M	$200.7M +0.2% YoY	$453.8M +8.0% YoY	$504.8M +10.3% YoY	Top 6.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +72.7% YoY+12.3% QoQ	-0.1%	0.9% +12.5% YoY	1.1% +36.8% YoY	1.2% +121.4% YoY	52%
NIM	3.0% +7.8% YoY+2.8% QoQ	-0.7%	3.7% +4.5% YoY	4.1% -0.3% YoY	3.8% +2.3% YoY	Bottom 13.7% in tier
Efficiency Ratio	76.6% -6.5% YoY-2.4% QoQ	-0.1%	76.7% -0.8% YoY	78.8% -0.4% YoY	83.0% -5.3% YoY	47%
Delinquency Rate	0.2% +57.5% YoY+68.5% QoQ	-0.7	0.9% +6.6% YoY	1.5% +41.3% YoY	1.3% +2.6% YoY	Top 10.2% in tier
Loan To Share	78.0% +3.3% YoY+2.3% QoQ	+6.4%	71.5% -0.3% YoY	70.2% -1.6% YoY	66.4% -1.4% YoY	60%
AMR	$23,739 -2.1% YoY-4.1% QoQ	$-1K	$25,107 +3.2% YoY	$17,498 +1.4% YoY	$20,028 -0.9% YoY	54%
CD Concentration	29.9% +10.4% YoY+3.1% QoQ	+5.3%	24.6%	20.2%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	4.3%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#46 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.59%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#76 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.59%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.80%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#126 of 223 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -2.06%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Risk Growth

risk

#337 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 6.31%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#545 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | 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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $376.76M

Peer Median: $170.77M

#62 of 1024 Top 6.0% in 100M-500M tier

Member Growth Rate

growth

Value: 6.59%

Peer Median: -0.03%

#68 of 1024 Top 6.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $293.76M

Peer Median: $124.04M

#70 of 1024 Top 6.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $429.02M

Peer Median: $196.38M

#72 of 1024 Top 6.9% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.37%

Peer Median: 29.92%

#73 of 1024 Top 7.0% in 100M-500M tier

Total Members

engagement

Value: 28,246

Peer Median: 13,128

#80 of 1024 Top 7.7% in 100M-500M tier

105

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.71%

#105 of 1024 Top 10.2% in 100M-500M tier

Top Weaknesses (2 metrics)

924

AMR Growth Rate

growth

Value: -2.06%

Peer Median: 3.53%

#924 of 1024 Bottom 9.9% in 100M-500M tier

884

Net Interest Margin (NIM)

profitability

Value: 3.00%

Peer Median: 3.67%

#884 of 1024 Bottom 13.8% in 100M-500M tier