BlastPoint's Credit Union Scorecard
MERCER COUNTY COMMUNITY
Charter #11891 · PA
1069 CUs in 100M-500M nationally
61 in PA
MERCER COUNTY COMMUNITY has 2 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% above tier average
- + First Mortgage Concentration (%): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 16.0% in tier
- - ROA 0.22% below tier average
- - Delinquency rate 3.96% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Net Charge-Off Rate: Bottom 2.5% in tier
- - Fee Income Per Member: Bottom 2.7% in tier
- - Loan Growth Rate: Bottom 2.7% in tier
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
- - Total Loans: Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 7.8% in tier
- - Total Assets: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,219
+0.0% YoY+0.1% QoQ
|
-3.2K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$111.8M
+4.9% YoY+0.4% QoQ
|
$-120.0M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.8% in tier |
| Loans |
$45.9M
-10.3% YoY-1.9% QoQ
|
$-101.4M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.1% in tier |
| Deposits |
$99.6M
+4.9% YoY+0.4% QoQ
|
$-101.2M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.0% in tier |
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| ROA |
0.5%
-35.8% YoY-21.7% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
4.1%
+4.9% YoY-0.1% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
68.7%
+7.0% YoY+0.9% QoQ
|
-8.3% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
4.9%
-6.1% YoY-3.0% QoQ
|
+4.0 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.5% in tier |
| Loan To Share |
46.1%
-14.5% YoY-2.4% QoQ
|
-26.1% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.7% in tier |
| AMR |
$11,908
-0.5% YoY-0.4% QoQ
|
$-13K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.6% in tier |
| CD Concentration |
12.6%
+32.9% YoY+0.3% QoQ
|
-11.9% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
50.9%
-9.6% YoY-2.7% QoQ
|
+37.1% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Indirect Auto Dependency
risk
#82 of 506 • Bottom 16.0% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
4.91%
(Tier:
5.37%, National:
3.54%)
Indirect Auto %:
50.91%
(Tier:
13.79%, National:
7.78%)
Member Growth (YoY):
0.02%
(Tier:
0.69%, National:
4.32%)
506 of 1069 Mid-Small & Community CUs have this signature |
745 nationally
↓ Shrinking
-35 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:
7.00%
Peer Median: -
#88 of 1069
Top 8.1% in 100M-500M tier
163
Share Certificate Concentration (%)
balance_sheet
Value:
12.57%
Peer Median: -
#163 of 1069
Top 15.2% in 100M-500M tier
239
Efficiency Ratio
profitability
Value:
68.71%
Peer Median: -
#239 of 1069
Top 22.3% in 100M-500M tier
245
Net Interest Margin (NIM)
profitability
Value:
4.09%
Peer Median: -
#245 of 1069
Top 22.8% in 100M-500M tier
Top Weaknesses (12 metrics)
1065
Total Delinquency Rate (60+ days)
risk
Value:
4.86%
Peer Median: -
#1065 of 1069
Bottom 0.5% in 100M-500M tier
1056
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,760
Peer Median: -
#1056 of 1069
Bottom 1.3% in 100M-500M tier
1052
Average Member Relationship (AMR)
engagement
Value:
$11,908
Peer Median: -
#1052 of 1069
Bottom 1.7% in 100M-500M tier
1043
Net Charge-Off Rate
risk
Value:
1.77%
Peer Median: -
#1043 of 1069
Bottom 2.5% in 100M-500M tier
1041
Fee Income Per Member
profitability
Value:
$53.37
Peer Median: -
#1041 of 1069
Bottom 2.7% in 100M-500M tier
1041
Loan Growth Rate
growth
Value:
-10.30%
Peer Median: -
#1041 of 1069
Bottom 2.7% in 100M-500M tier
1034
Indirect Auto Concentration (%)
balance_sheet
Value:
50.91%
Peer Median: -
#1034 of 1069
Bottom 3.4% in 100M-500M tier
1025
Total Loans
balance_sheet
Value:
$45.94M
Peer Median: -
#1025 of 1069
Bottom 4.2% in 100M-500M tier
987
Loan-to-Share Ratio
balance_sheet
Value:
46.14%
Peer Median: -
#987 of 1069
Bottom 7.8% in 100M-500M tier
986
Total Assets
balance_sheet
Value:
$111.82M
Peer Median: -
#986 of 1069
Bottom 7.9% in 100M-500M tier