BlastPoint's Credit Union Scorecard

MERCER COUNTY COMMUNITY

Charter #11891 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

MERCER COUNTY COMMUNITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.43% above tier average
+ First Mortgage Concentration (%): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.37% below tier average
- Delinquency rate 2.87% above tier average
- Net Charge-Off Rate: Bottom 0.2% in tier
- Total Delinquency Rate (60+ days): Bottom 1.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.1% in tier
- Average Member Relationship (AMR): Bottom 1.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	12,231 -0.2% YoY+0.1% QoQ	-2.9K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	45%
Assets	$114.1M +3.3% YoY+2.0% QoQ	$-117.7M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	Bottom 9.7% in tier
Loans	$44.0M -10.7% YoY-4.3% QoQ	$-100.2M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	Bottom 3.9% in tier
Deposits	$101.7M +3.1% YoY+2.1% QoQ	$-99.5M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	Bottom 11.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -32.1% YoY-33.8% QoQ	-0.4%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	27%
NIM	4.1% -0.1% YoY-0.8% QoQ	+0.4%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	76.9% +6.6% YoY+11.9% QoQ	-1.1%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	3.6% -23.3% YoY-24.9% QoQ	+2.9	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	Bottom 1.1% in tier
Loan To Share	43.3% -13.4% YoY-6.3% QoQ	-27.2%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 6.4% in tier
AMR	$11,909 -1.3% YoY+0.0% QoQ	$-13K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Bottom 1.6% in tier
CD Concentration	12.5% +14.3% YoY-0.9% QoQ	-11.8%	24.3%	15.4%	19.8%	50%
Indirect Auto %	48.4% -13.2% YoY-4.9% QoQ	+34.6%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk

#93 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.30%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 48.39%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.18%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#187 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.32%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 7.43%

Peer Median: 29.47%

#97 of 1070 Top 9.0% in 100M-500M tier

166

Share Certificate Concentration (%)

balance_sheet

Value: 12.46%

Peer Median: 23.10%

#166 of 1070 Top 15.4% in 100M-500M tier

228

Members Per Employee (MPE)

engagement

Value: 394.548

Peer Median: 309.176

#228 of 1070 Top 21.2% in 100M-500M tier

252

Net Interest Margin (NIM)

profitability

Value: 4.06%

Peer Median: 3.62%

#252 of 1070 Top 23.5% in 100M-500M tier

Top Weaknesses (12 metrics)

1069

Net Charge-Off Rate

risk

Value: 3.56%

Peer Median: 0.35%

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1059

Total Delinquency Rate (60+ days)

risk

Value: 3.65%

Peer Median: 0.61%

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1059

Loan-to-Member Ratio (LMR)

engagement

Value: $3,596

Peer Median: $9,356

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1053

Average Member Relationship (AMR)

engagement

Value: $11,909

Peer Median: $22,931

#1053 of 1070 Bottom 1.7% in 100M-500M tier

1051

Fee Income Per Member

profitability

Value: $28.46

Peer Median: $154.95

#1051 of 1070 Bottom 1.9% in 100M-500M tier

1050

Loan Growth Rate

growth

Value: -10.69%

Peer Median: 2.93%

#1050 of 1070 Bottom 2.0% in 100M-500M tier

1031

Indirect Auto Concentration (%)

balance_sheet

Value: 48.39%

Peer Median: 6.61%

#1031 of 1070 Bottom 3.7% in 100M-500M tier

1028

Total Loans

balance_sheet

Value: $43.98M

Peer Median: $121.41M

#1028 of 1070 Bottom 4.0% in 100M-500M tier

1002

Loan-to-Share Ratio

balance_sheet

Value: 43.26%

Peer Median: 71.88%

#1002 of 1070 Bottom 6.4% in 100M-500M tier

966

Total Assets

balance_sheet

Value: $114.05M

Peer Median: $196.57M

#966 of 1070 Bottom 9.8% in 100M-500M tier