BlastPoint's Credit Union Scorecard
MAHONING VALLEY
Charter #14469 · OH
2556 CUs in <100M nationally
118 in OH
MAHONING VALLEY has 6 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.67% above tier average
- + Strong member growth: 9.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 8.17% below tier average
- - Efficiency ratio 100.04% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 0.9% in tier
- - Deposit Growth Rate: Bottom 1.0% in tier
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Total Assets: Bottom 2.4% in tier
- - Average Member Relationship (AMR): Bottom 2.7% in tier
- - Total Deposits: Bottom 2.9% in tier
- - Total Loans: Bottom 3.5% in tier
- - Loan Growth Rate: Bottom 4.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
- - Total Members: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246
+9.8% YoY+1.7% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 5.9% in tier |
| Assets |
$389,479
-28.1% YoY-8.1% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.4% in tier |
| Loans |
$145,885
-23.5% YoY-1.8% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.4% in tier |
| Deposits |
$336,517
-26.4% YoY-7.7% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.8% in tier |
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| ROA |
-7.5%
-18.5% YoY+13.5% QoQ
|
-8.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.6% in tier |
| NIM |
5.6%
-14.8% YoY+11.8% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
182.6%
+12.8% YoY+5.4% QoQ
|
+100.0% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 1.3% in tier |
| Delinquency Rate |
1.4%
-71.6% YoY-10.2% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
43.4%
+4.0% YoY+6.4% QoQ
|
-17.3% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$1,961
-32.2% YoY-7.5% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.6% 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)
No strengths identified
Concerns (0)
No concerns identified
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
75
Member Growth Rate
growth
Value:
9.82%
Peer Median: -
#75 of 2556
Top 2.9% in <100M tier
156
Net Interest Margin (NIM)
profitability
Value:
5.62%
Peer Median: -
#156 of 2556
Top 6.1% in <100M tier
Top Weaknesses (15 metrics)
2540
Return on Assets (ROA)
profitability
Value:
-7.55%
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2539
Asset Growth Rate
growth
Value:
-28.10%
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2533
AMR Growth Rate
growth
Value:
-32.23%
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2531
Deposit Growth Rate
growth
Value:
-26.43%
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2524
Efficiency Ratio
profitability
Value:
182.60%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2516
Net Charge-Off Rate
risk
Value:
5.29%
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2495
Total Assets
balance_sheet
Value:
$389,479
Peer Median: -
#2495 of 2556
Bottom 2.4% in <100M tier
2489
Average Member Relationship (AMR)
engagement
Value:
$1,961
Peer Median: -
#2489 of 2556
Bottom 2.7% in <100M tier
2484
Total Deposits
balance_sheet
Value:
$336,517
Peer Median: -
#2484 of 2556
Bottom 2.9% in <100M tier
2468
Total Loans
balance_sheet
Value:
$145,885
Peer Median: -
#2468 of 2556
Bottom 3.5% in <100M tier