BlastPoint's Credit Union Scorecard
MEMBERS FIRST
Charter #67658 · TX
MEMBERS FIRST has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% 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 7.5% in tier
- - Credit Quality Pressure: Bottom 51.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,631
-0.5% YoY-0.0% QoQ
|
-2.8K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$186.9M
+3.4% YoY+0.8% QoQ
|
$-44.9M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$70.1M
-2.7% YoY-0.5% QoQ
|
$-77.2M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$141.5M
+1.7% YoY-0.2% QoQ
|
$-59.3M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
1.4%
+6.9% YoY+6.0% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 12.6% in tier |
| NIM |
3.2%
+3.7% YoY-0.4% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
63.5%
-3.8% YoY-1.4% QoQ
|
-13.5% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
0.7%
+41.9% YoY+25.8% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
49.6%
-4.4% YoY-0.4% QoQ
|
-22.7% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.5% in tier |
| AMR |
$16,754
+0.7% YoY-0.3% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
12.6%
+11.8% YoY+10.2% QoQ
|
-11.9% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
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.
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)