BlastPoint's Credit Union Scorecard
MEMBERSFIRST
Charter #67538 · GA
MEMBERSFIRST has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 6.0% in tier
- + Total Assets: Top 6.8% in tier
- + First Mortgage Concentration (%): Top 6.8% in tier
- + Total Loans: Top 6.9% in tier
- + Total Delinquency Rate (60+ days): Top 7.9% in tier
- + Total Members: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency ratio 0.49% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,800
-0.5% YoY+3.4% QoQ
|
+11.7K |
15,145
-2.5% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
Top 9.5% in tier |
| Assets |
$429.1M
+1.4% YoY+3.0% QoQ
|
+$197.4M |
$231.7M
+0.8% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Top 6.9% in tier |
| Loans |
$287.0M
+4.8% YoY+0.4% QoQ
|
+$142.8M |
$144.1M
+0.2% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Top 7.0% in tier |
| Deposits |
$376.6M
+0.7% YoY+3.0% QoQ
|
+$175.5M |
$201.1M
+0.4% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Top 6.1% in tier |
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| ROA |
0.7%
+182.4% YoY-2.4% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
2.9%
+8.9% YoY+0.4% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.4% in tier |
| Efficiency Ratio |
78.5%
-7.4% YoY+1.4% QoQ
|
+0.5% |
78.0%
-1.7% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
0.1%
+10.1% YoY-61.5% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
Top 7.9% in tier |
| Loan To Share |
76.2%
+4.0% YoY-2.5% QoQ
|
+5.8% |
70.4%
-0.4% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$24,760
+2.9% YoY-1.4% QoQ
|
$-159 |
$24,918
+2.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
29.0%
+10.2% YoY+1.3% QoQ
|
+4.7% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)