BlastPoint's Credit Union Scorecard

MEMBERSFIRST

Charter #67538 · GA

1069 CUs in 100M-500M nationally 20 in GA

MEMBERSFIRST has 6 strengths but faces 6 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

+ Wallet Share Momentum: Top 87.9% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 6.7% in tier
+ Total Deposits: Top 7.5% in tier
+ Total Loans: Top 8.0% in tier
+ Total Assets: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 15.0% in tier
- Membership Headwinds: Bottom 27.7% in tier
- Stagnation Risk: Bottom 62.8% in tier
- ROA 0.04% below tier average
- Efficiency ratio 0.44% above tier (higher cost structure)
- Member decline: -4.5% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	25,930 -4.5% YoY-0.9% QoQ	+10.5K	15,437 -2.9% YoY	30,943 +6.6% YoY	33,374 +5.7% YoY	Top 10.9% in tier
Assets	$416.7M -0.5% YoY+0.7% QoQ	+$184.9M	$231.9M +1.3% YoY	$501.1M +9.5% YoY	$561.6M +9.7% YoY	Top 8.5% in tier
Loans	$285.7M +3.7% YoY+3.6% QoQ	+$138.4M	$147.3M -0.1% YoY	$341.6M +10.9% YoY	$397.0M +8.8% YoY	Top 8.0% in tier
Deposits	$365.7M -1.2% YoY+0.4% QoQ	+$164.9M	$200.8M +0.8% YoY	$429.0M +7.8% YoY	$477.3M +9.7% YoY	Top 7.6% 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	0.7% -10.8% YoY+32.9% QoQ	-0.0%	0.8% +18.2% YoY	0.9% +34.6% YoY	0.7% +15.9% YoY	47%
NIM	2.9% +3.0% YoY+1.9% QoQ	-0.7%	3.6% +6.7% YoY	4.1% +4.4% YoY	3.8% +5.1% YoY	Bottom 14.8% in tier
Efficiency Ratio	77.5% +3.3% YoY-3.9% QoQ	+0.4%	77.0% -3.1% YoY	77.1% -0.1% YoY	79.7% -3.3% YoY	51%
Delinquency Rate	0.3% -15.8% YoY+53.3% QoQ	-0.6	0.9% +4.2% YoY	1.2% -6.4% YoY	1.3% -2.1% YoY	16%
Loan To Share	78.1% +5.0% YoY+3.2% QoQ	+5.9%	72.2% -1.1% YoY	72.9% +1.7% YoY	67.4% -1.7% YoY	58%
AMR	$25,123 +5.6% YoY+2.7% QoQ	+$447	$24,676 +3.4% YoY	$17,497 +5.6% YoY	$19,687 +2.0% YoY	63%
CD Concentration	28.6% +12.9% YoY+2.7% QoQ	+4.2%	24.4%	20.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.4%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#451 of 513 • Top 87.9% in tier

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

Why This Signature

AMR Growth (YoY): 5.62%

(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 | Rank worsening

Concerns (3)

Flatlined Growth

risk

#7 of 41 • Bottom 15.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.46%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.73%

(Tier: 0.75%, National: 0.67%)

worse than tier avg

41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Membership Headwinds

decline

#154 of 554 • Bottom 27.7% in tier

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

Why This Signature

Member Growth (YoY): -4.48%

(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

Stagnation Risk

risk

#348 of 554 • Bottom 62.8% 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): -4.48%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.69%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.30%

(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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 5.82%

Peer Median: -

#73 of 1069 Top 6.7% in 100M-500M tier

Total Deposits

balance_sheet

Value: $365.69M

Peer Median: -

#81 of 1069 Top 7.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $285.75M

Peer Median: -

#86 of 1069 Top 8.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $416.72M

Peer Median: -

#91 of 1069 Top 8.4% in 100M-500M tier

116

Total Members

engagement

Value: 25,930

Peer Median: -

#116 of 1069 Top 10.8% in 100M-500M tier

174

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: -

#174 of 1069 Top 16.2% in 100M-500M tier

Top Weaknesses (5 metrics)

944

Deposit Growth Rate

growth

Value: -1.20%

Peer Median: -

#944 of 1069 Bottom 11.8% in 100M-500M tier

942

Member Growth Rate

growth

Value: -4.48%

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

929

Asset Growth Rate

growth

Value: -0.46%

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier

911

Net Interest Margin (NIM)

profitability

Value: 2.90%

Peer Median: -

#911 of 1069 Bottom 14.9% in 100M-500M tier

806

Members Per Employee (MPE)

engagement

Value: 264.592

Peer Median: -

#806 of 1069 Bottom 24.7% in 100M-500M tier