MEMBERS FIRST
Charter #67658 | TX
100M-500M
(1077 CUs)
Micro
($0-$500M)
79 100M-500M in TX
MEMBERS FIRST has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 10.1% in tier
- + Relationship Depth Leader: Top 27.4% in tier
- + Wallet Share Momentum: Top 30.6% in tier
- + ROA 0.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.9% in tier
- - Credit Quality Pressure: Bottom 19.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,634
-0.3% YoY+0.4% QoQ
|
-3.0K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
45th in tier |
| Assets |
$185.4M
+5.6% YoY+0.8% QoQ
|
$-45.9M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
46th in tier |
| Loans |
$70.5M
-4.1% YoY+0.2% QoQ
|
$-77.3M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 15.7% in tier |
| Deposits |
$141.7M
+4.8% YoY+0.3% QoQ
|
$-58.6M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
36th in tier |
| ROA |
1.3%
-4.8% YoY+3.9% QoQ
|
+0.6% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 16.3% in tier |
| NIM |
3.2%
+2.8% YoY+2.1% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
28th in tier |
| Efficiency Ratio |
64.4%
-1.4% YoY-1.3% QoQ
|
-12.9% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate |
0.5%
+25.9% YoY-14.3% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
41st in tier |
| Loan To Share |
49.7%
-8.5% YoY-0.1% QoQ
|
-23.0% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.7% in tier |
| AMR |
$16,797
+2.0% YoY-0.1% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 17.3% in tier |
| CD Concentration |
11.4%
+0.7% YoY+13.5% QoQ
|
-13.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growth
#191 of 627 • Top 10.1% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.34%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.31%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#757 of 1006 • Top 27.4% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
2.00%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.7K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#845 of 1006 • Top 30.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
2.00%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (2)
Liquidity Overhang
risk
#15 of 552 • Bottom 0.9% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
22.56%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
49.74%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#470 of 736 • Bottom 19.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.11% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
16
Net Worth Ratio
risk
Value:
22.56%
Peer Avg: 12.15%
#16 of 1077
Top 1.4% in 100M-500M tier
141
Share Certificate Concentration (%)
balance_sheet
Value:
11.41%
Peer Avg: 23.61%
#141 of 1077
Top 13.0% in 100M-500M tier
157
Efficiency Ratio
profitability
Value:
64.40%
Peer Avg: 77.28%
#157 of 1077
Top 14.5% in 100M-500M tier
176
Return on Assets (ROA)
profitability
Value:
1.34%
Peer Avg: 0.79%
#176 of 1077
Top 16.2% in 100M-500M tier
Top Weaknesses (6 metrics)
973
Loan-to-Member Ratio (LMR)
engagement
Value:
$5,580
Peer Avg: $10,245
#973 of 1077
Bottom 9.7% in 100M-500M tier
962
Loan-to-Share Ratio
balance_sheet
Value:
49.74%
Peer Avg: 72.70%
#962 of 1077
Bottom 10.8% in 100M-500M tier
908
Total Loans
balance_sheet
Value:
$70.49M
Peer Avg: $147.80M
#908 of 1077
Bottom 15.8% in 100M-500M tier
903
Loan Growth Rate
growth
Value:
-4.11%
Peer Avg: 3.45%
#903 of 1077
Bottom 16.2% in 100M-500M tier
891
Average Member Relationship (AMR)
engagement
Value:
$16,797
Peer Avg: $24,363
#891 of 1077
Bottom 17.4% in 100M-500M tier
877
First Mortgage Concentration (%)
balance_sheet
Value:
46.34%
Peer Avg: 30.43%
#877 of 1077
Bottom 18.7% in 100M-500M tier