BlastPoint's Credit Union Scorecard
MCDONALD COMMUNITY
Charter #1599 · OH
MCDONALD COMMUNITY has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.44% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Loan Growth Rate: Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
- - AMR Growth Rate: Bottom 7.3% in tier
- - Total Loans: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
725
+0.4% YoY-1.8% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$4.9M
-3.3% YoY-1.6% QoQ
|
$-25.3M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$549,752
-32.3% YoY-12.4% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.9% in tier |
| Deposits |
$4.3M
-4.6% YoY-1.9% QoQ
|
$-21.4M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.8%
-25.3% YoY-16.8% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
4.4%
-2.9% YoY+2.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
82.5%
+10.9% YoY+5.3% QoQ
|
-0.1% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
12.7%
-29.1% YoY-10.8% QoQ
|
-47.9% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.3% in tier |
| AMR |
$6,731
-9.1% YoY-1.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)