BlastPoint's Credit Union Scorecard
MAHONING VALLEY
Charter #14469 · OH
2596 CUs in <100M nationally
121 in OH
MAHONING VALLEY has 7 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.10% above tier average
- + Strong member growth: 8.5% 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 4.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 7.33% below tier average
- - Efficiency ratio 91.87% above tier (higher cost structure)
- - Delinquency rate 0.04% above tier average
- - Asset Growth Rate: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 1.1% in tier
- - Deposit Growth Rate: Bottom 1.1% in tier
- - Total Assets: Bottom 2.8% in tier
- - Average Member Relationship (AMR): Bottom 3.1% in tier
- - Total Deposits: Bottom 3.2% in tier
- - Total Loans: Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 4.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- - Total Members: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
242
+8.5% YoY+3.9% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 5.9% in tier |
| Assets |
$423,603
-28.0% YoY-23.9% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.8% in tier |
| Loans |
$148,525
-24.6% YoY-29.2% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.6% in tier |
| Deposits |
$364,624
-26.2% YoY-25.6% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.2% in tier |
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| ROA |
-6.6%
-44.7% YoY+11.3% QoQ
|
-7.3% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.8% in tier |
| NIM |
5.0%
-20.0% YoY+4.4% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 13.5% in tier |
| Efficiency Ratio |
173.3%
+23.0% YoY+15.2% QoQ
|
+91.9% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
1.5%
-87.1% YoY+13.0% QoQ
|
+0.0 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
40.7%
+2.2% YoY-4.8% QoQ
|
-20.5% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$2,120
-31.6% YoY-29.4% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
104
Member Growth Rate
growth
Value:
8.52%
Peer Avg: -
#104 of 2596
Top 4.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
351
Net Interest Margin (NIM)
profitability
Value:
5.03%
Peer Avg: -
#351 of 2596
Top 13.5% in <100M tier
Top Weaknesses (15 metrics)
2578
Asset Growth Rate
growth
Value:
-27.97%
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2576
Return on Assets (ROA)
profitability
Value:
-6.65%
Peer Avg: -
#2576 of 2596
Bottom 0.8% in <100M tier
2569
AMR Growth Rate
growth
Value:
-31.61%
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2568
Deposit Growth Rate
growth
Value:
-26.24%
Peer Avg: -
#2568 of 2596
Bottom 1.1% in <100M tier
2550
Efficiency Ratio
profitability
Value:
173.27%
Peer Avg: -
#2550 of 2596
Bottom 1.8% in <100M tier
2524
Total Assets
balance_sheet
Value:
$423,603
Peer Avg: -
#2524 of 2596
Bottom 2.8% in <100M tier
2517
Average Member Relationship (AMR)
engagement
Value:
$2,120
Peer Avg: -
#2517 of 2596
Bottom 3.1% in <100M tier
2513
Total Deposits
balance_sheet
Value:
$364,624
Peer Avg: -
#2513 of 2596
Bottom 3.2% in <100M tier
2503
Total Loans
balance_sheet
Value:
$148,525
Peer Avg: -
#2503 of 2596
Bottom 3.6% in <100M tier
2490
Loan Growth Rate
growth
Value:
-24.64%
Peer Avg: -
#2490 of 2596
Bottom 4.1% in <100M tier