BlastPoint's Credit Union Scorecard
MEMBERS 1ST
Charter #67770 · MO
MEMBERS 1ST demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.0% in tier
- + Average Member Relationship (AMR): Top 7.5% in tier
- + Total Loans: Top 8.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,219
-0.1% YoY-0.5% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$71.6M
+6.6% YoY+1.2% QoQ
|
+$41.8M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 11.7% in tier |
| Loans |
$43.8M
+6.4% YoY+2.2% QoQ
|
+$28.1M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 8.2% in tier |
| Deposits |
$63.0M
+6.1% YoY+0.9% QoQ
|
+$37.5M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 10.3% in tier |
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| ROA |
1.0%
+12.7% YoY-4.6% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
3.4%
+8.3% YoY+0.5% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
73.7%
-2.6% YoY+0.1% QoQ
|
-7.7% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.4%
-71.6% YoY+66.4% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
69.6%
+0.3% YoY+1.4% QoQ
|
+8.4% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$25,317
+6.3% YoY+1.9% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Top 7.6% in tier |
| CD Concentration |
13.5%
+2.7% YoY-0.8% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)