BlastPoint's Credit Union Scorecard
MERCER COUNTY COMMUNITY
Charter #11891 · PA
1077 CUs in 100M-500M nationally
61 in PA
MERCER COUNTY COMMUNITY has 3 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 21.2% in tier
- + Net Interest Margin 0.51% above tier average
- + First Mortgage Concentration (%): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.3% in tier
- - Credit Quality Pressure: Bottom 10.9% in tier
- - ROA 0.09% below tier average
- - Delinquency rate 4.15% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 2.1% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Indirect Auto Concentration (%): Bottom 3.1% in tier
- - Net Charge-Off Rate: Bottom 4.3% in tier
- - Total Loans: Bottom 4.5% in tier
- - Total Assets: Bottom 7.9% in tier
- - Loan-to-Share Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,208
-0.3% YoY-0.0% QoQ
|
-3.4K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$111.4M
+6.4% YoY+1.0% QoQ
|
$-119.9M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.8% in tier |
| Loans |
$46.8M
-12.6% YoY-3.2% QoQ
|
$-100.9M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.5% in tier |
| Deposits |
$99.1M
+6.5% YoY+0.9% QoQ
|
$-101.1M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.1% in tier |
| ROA |
0.7%
-23.4% YoY-5.8% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
4.1%
+6.4% YoY+0.4% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
68.1%
+5.7% YoY-1.8% QoQ
|
-9.2% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
5.0%
+6.2% YoY+3.3% QoQ
|
+4.1 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 0.3% in tier |
| Loan To Share |
47.3%
-17.9% YoY-4.1% QoQ
|
-25.4% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.1% in tier |
| AMR |
$11,958
-0.2% YoY-0.4% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.0% in tier |
| CD Concentration |
12.5%
+33.7% YoY-1.7% QoQ
|
-11.9% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
52.3%
-9.2% YoY-4.6% QoQ
|
+38.4% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#399 of 627 • Top 21.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.70%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.29%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (2)
Indirect Auto Dependency
risk
#22 of 525 • Bottom 1.3% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
6.45%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
52.31%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-0.29%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#271 of 736 • Bottom 10.9% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.29% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 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)
Top Strengths (4 metrics)
88
First Mortgage Concentration (%)
balance_sheet
Value:
6.69%
Peer Avg: 30.43%
#88 of 1077
Top 8.1% in 100M-500M tier
173
Share Certificate Concentration (%)
balance_sheet
Value:
12.53%
Peer Avg: 23.61%
#173 of 1077
Top 16.0% in 100M-500M tier
233
Net Interest Margin (NIM)
profitability
Value:
4.10%
Peer Avg: 3.58%
#233 of 1077
Top 21.5% in 100M-500M tier
233
Efficiency Ratio
profitability
Value:
68.08%
Peer Avg: 77.28%
#233 of 1077
Top 21.5% in 100M-500M tier
Top Weaknesses (12 metrics)
1075
Total Delinquency Rate (60+ days)
risk
Value:
5.01%
Peer Avg: 0.86%
#1075 of 1077
Bottom 0.3% in 100M-500M tier
1062
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,838
Peer Avg: $10,245
#1062 of 1077
Bottom 1.5% in 100M-500M tier
1059
Loan Growth Rate
growth
Value:
-12.64%
Peer Avg: 3.45%
#1059 of 1077
Bottom 1.8% in 100M-500M tier
1055
Average Member Relationship (AMR)
engagement
Value:
$11,958
Peer Avg: $24,363
#1055 of 1077
Bottom 2.1% in 100M-500M tier
1046
Fee Income Per Member
profitability
Value:
$50.92
Peer Avg: $174.31
#1046 of 1077
Bottom 3.0% in 100M-500M tier
1045
Indirect Auto Concentration (%)
balance_sheet
Value:
52.31%
Peer Avg: 13.34%
#1045 of 1077
Bottom 3.1% in 100M-500M tier
1032
Net Charge-Off Rate
risk
Value:
1.42%
Peer Avg: 0.47%
#1032 of 1077
Bottom 4.3% in 100M-500M tier
1029
Total Loans
balance_sheet
Value:
$46.85M
Peer Avg: $147.80M
#1029 of 1077
Bottom 4.5% in 100M-500M tier
993
Total Assets
balance_sheet
Value:
$111.42M
Peer Avg: $231.30M
#993 of 1077
Bottom 7.9% in 100M-500M tier
990
Loan-to-Share Ratio
balance_sheet
Value:
47.26%
Peer Avg: 72.70%
#990 of 1077
Bottom 8.2% in 100M-500M tier