BlastPoint's Credit Union Scorecard
MAHONING VALLEY
Charter #14469 · OH
<100M
2508 CUs in <100M nationally
116 in OH
MAHONING VALLEY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.38% above tier average
- + Strong member growth: 19.8% YoY
- + Member Growth Rate: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - ROA 6.75% below tier average
- - Efficiency ratio 117.00% above tier (higher cost structure)
- - Delinquency rate 0.68% above tier average
- - Asset Growth Rate: Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 0.6% in tier
- - Total Assets: Bottom 2.4% in tier
- - Total Deposits: Bottom 2.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
242
+19.8% YoY-1.6% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Bottom 5.9% in tier |
| Assets |
$387,154
-34.0% YoY-0.6% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.4% in tier |
| Loans |
$136,624
-15.7% YoY-6.3% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.3% in tier |
| Deposits |
$340,582
-32.7% YoY+1.2% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.7% in tier |
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| ROA |
-6.6%
+128.7% YoY-12.5% QoQ
|
-6.7% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.3% in tier |
| NIM |
5.4%
+4.6% YoY-4.1% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Top 7.1% in tier |
| Efficiency Ratio |
207.6%
+37.8% YoY+13.7% QoQ
|
+117.0% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
2.2%
-24.5% YoY+57.6% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
40.1%
+25.2% YoY-7.5% QoQ
|
-18.4% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$1,972
-40.4% YoY+0.6% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 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 Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
37
Member Growth Rate
growth
Value:
19.80%
Peer Median: -1.37%
#37 of 2508
Top 1.4% in <100M tier
179
Net Interest Margin (NIM)
profitability
Value:
5.39%
Peer Median: 3.83%
#179 of 2508
Top 7.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (16 metrics)
2497
Asset Growth Rate
growth
Value:
-33.96%
Peer Median: 1.30%
#2497 of 2508
Bottom 0.5% in <100M tier
2495
AMR Growth Rate
growth
Value:
-40.36%
Peer Median: 1.27%
#2495 of 2508
Bottom 0.6% in <100M tier
2493
Deposit Growth Rate
growth
Value:
-32.67%
Peer Median: 0.66%
#2493 of 2508
Bottom 0.6% in <100M tier
2476
Return on Assets (ROA)
profitability
Value:
-6.60%
Peer Median: 0.61%
#2476 of 2508
Bottom 1.3% in <100M tier
2471
Efficiency Ratio
profitability
Value:
207.63%
Peer Median: 81.45%
#2471 of 2508
Bottom 1.5% in <100M tier
2449
Total Assets
balance_sheet
Value:
$387,154
Peer Median: $21.86M
#2449 of 2508
Bottom 2.4% in <100M tier
2440
Total Deposits
balance_sheet
Value:
$340,582
Peer Median: $18.77M
#2440 of 2508
Bottom 2.8% in <100M tier
2440
Average Member Relationship (AMR)
engagement
Value:
$1,972
Peer Median: $13,926
#2440 of 2508
Bottom 2.8% in <100M tier
2426
Total Loans
balance_sheet
Value:
$136,624
Peer Median: $9.48M
#2426 of 2508
Bottom 3.3% in <100M tier
2405
Loan-to-Member Ratio (LMR)
engagement
Value:
$564.56
Peer Median: $4,923
#2405 of 2508
Bottom 4.1% in <100M tier