BlastPoint's Credit Union Scorecard
MEMBERS FIRST
Charter #67658 · TX
MEMBERS FIRST has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.60% above tier average
- + Net Worth Ratio: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Delinquency rate 0.16% above tier average
- - Deposit Growth Rate: Bottom 7.3% in tier
- - AMR Growth Rate: Bottom 8.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.4% 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 74 that size in Texas.
- Shares and deposits -2.9% year over year ($137M in shares and deposits).
- Membership: 12,536 members, -0.4% vs a year ago.
- Delinquency rate 1.04%.
- Return on assets 1.47%.
- Efficiency ratio 62.79% vs a 76.73% peer average.
- Loan-to-share ratio 49.72% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,536
-0.4% YoY-1.0% QoQ
|
-2.6K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
47% |
| Assets |
$183.2M
-0.4% YoY-3.9% QoQ
|
$-48.8M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$68.2M
-3.0% YoY-0.9% QoQ
|
$-78.1M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$137.2M
-2.9% YoY-5.4% QoQ
|
$-63.5M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
1.5%
+13.7% YoY+38.3% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 13.7% in tier |
| NIM |
3.4%
+6.7% YoY+4.7% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
62.8%
-3.7% YoY-6.8% QoQ
|
-13.9% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 11.9% in tier |
| Delinquency Rate |
1.0%
+64.4% YoY+36.1% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
49.7%
-0.1% YoY+4.7% QoQ
|
-21.8% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.0% in tier |
| AMR |
$16,382
-2.6% YoY-3.0% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.3% in tier |
| CD Concentration |
13.7%
+36.5% YoY+8.6% QoQ
|
-10.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)