BlastPoint's Credit Union Scorecard

MEMBERS FIRST

Charter #67658 · TX

100M-500M
1070 CUs in 100M-500M nationally 80 in TX

MEMBERS FIRST has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.33% above tier average
  • + Net Worth Ratio: Top 1.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Margin Compression: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
  • - Loan-to-Share Ratio: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 12,657
-0.4% YoY+0.2% QoQ
 -2.5K 15,145
-2.5% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 47%
Assets $190.7M
+4.2% YoY+2.0% QoQ
 $-41.0M $231.7M
+0.8% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 48%
Loans $68.8M
-2.8% YoY-1.9% QoQ
 $-75.3M $144.1M
+0.2% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 16%
Deposits $145.0M
+3.0% YoY+2.4% QoQ
 $-56.2M $201.1M
+0.4% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 38%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.1%
-20.4% YoY-25.4% QoQ
 +0.3% 0.7%
+5.1% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 73%
NIM 3.2%
+4.1% YoY+0.2% QoQ
 -0.4% 3.6%
+4.6% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 25%
Efficiency Ratio 67.4%
+4.2% YoY+6.1% QoQ
 -10.6% 78.0%
-1.7% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 20%
Delinquency Rate 0.8%
+22.0% YoY+12.0% QoQ
 +0.0 0.8%
+7.1% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 62%
Loan To Share 47.5%
-5.5% YoY-4.2% QoQ
 -22.9% 70.4%
-0.4% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 Bottom 9.4% in tier
AMR $16,889
+1.4% YoY+0.8% QoQ
 $-8K $24,918
+2.7% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 16%
CD Concentration 12.6%
+26.4% YoY+0.6% QoQ
 -11.6% 24.3% 21.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 6.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Liquidity Overhang

risk
#11 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 22.62%
(Tier: 11.91%, National: 14.35%)
but better than tier avg
Loan-to-Share Ratio: 47.47%
(Tier: 72.31%, National: 65.58%)
worse than tier avg
126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally
↑ Growing +19 CUs YoY | Rank worsening

Margin Compression

decline
#62 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.06%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 1.33%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.27% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally
→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk
#428 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.14% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | Rank improving

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)

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
17
Net Worth Ratio
risk
Value: 22.62%
Peer Median: 11.45%
#17 of 1070 Top 1.5% in 100M-500M tier
171
Share Certificate Concentration (%)
balance_sheet
Value: 12.65%
Peer Median: 23.10%
#171 of 1070 Top 15.9% in 100M-500M tier
211
Efficiency Ratio
profitability
Value: 67.41%
Peer Median: 78.68%
#211 of 1070 Top 19.6% in 100M-500M tier

Top Weaknesses (6 metrics)

976
Loan-to-Member Ratio (LMR)
engagement
Value: $5,437
Peer Median: $9,356
#976 of 1070 Bottom 8.9% in 100M-500M tier
969
Loan-to-Share Ratio
balance_sheet
Value: 47.47%
Peer Median: 71.88%
#969 of 1070 Bottom 9.5% in 100M-500M tier
902
Average Member Relationship (AMR)
engagement
Value: $16,889
Peer Median: $22,931
#902 of 1070 Bottom 15.8% in 100M-500M tier
897
Total Loans
balance_sheet
Value: $68.81M
Peer Median: $121.41M
#897 of 1070 Bottom 16.3% in 100M-500M tier
878
First Mortgage Concentration (%)
balance_sheet
Value: 47.03%
Peer Median: 29.47%
#878 of 1070 Bottom 18.0% in 100M-500M tier
874
Loan Growth Rate
growth
Value: -2.76%
Peer Median: 2.93%
#874 of 1070 Bottom 18.4% in 100M-500M tier
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