BlastPoint's Credit Union Scorecard
MAHONING VALLEY
Charter #14469 · OH
MAHONING VALLEY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.25% above tier average
- + Net Interest Margin 0.94% above tier average
- + Member Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 138.03% above tier (higher cost structure)
- - Delinquency rate 0.26% above tier average
- - Asset Growth Rate: Bottom 0.5% in tier
- - Deposit Growth Rate: Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 1.8% in tier
- - Total Assets: Bottom 2.1% in tier
- - Average Member Relationship (AMR): Bottom 2.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -31.2% year over year ($337K in shares and deposits).
- Membership: 244 members, +4.7% vs a year ago.
- Delinquency rate 1.80%.
- Return on assets 6.75%.
- Efficiency ratio 226.80% vs a 88.77% peer average.
- Loan-to-share ratio 40.87% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
244
+4.7% YoY+0.8% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Bottom 6.1% in tier |
| Assets |
$375,767
-32.4% YoY-2.9% QoQ
|
$-29.9M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.0% in tier |
| Loans |
$137,808
-34.3% YoY+0.9% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.2% in tier |
| Deposits |
$337,169
-31.2% YoY-1.0% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.6% in tier |
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| ROA |
6.7%
-213.0% YoY-202.2% QoQ
|
+5.3% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Top 1.1% in tier |
| NIM |
4.8%
+0.4% YoY-10.3% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 14.5% in tier |
| Efficiency Ratio |
226.8%
+50.8% YoY+9.2% QoQ
|
+138.0% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
1.8%
+31.7% YoY-17.5% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
40.9%
-4.5% YoY+1.9% QoQ
|
-18.0% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$1,947
-35.2% YoY-1.3% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.3% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)