BlastPoint's Credit Union Scorecard
MEMBERS FIRST
Charter #67658 · TX
MEMBERS FIRST has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 61.4% 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 6.8% 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
|
45% |
| 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
|
46% |
| 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
|
16% |
| 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
|
36% |
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| 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
|
84% |
| 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
|
28% |
| 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
|
41% |
| 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
|
17% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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.
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)