BlastPoint's Credit Union Scorecard
MOUNTAIN VALLEY
Charter #15516 · NY
MOUNTAIN VALLEY has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 2.01% below tier average
- - Efficiency ratio 32.39% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
- - Member decline: -2.2% YoY
- - Net Worth Ratio: Bottom 1.8% in tier
- - First Mortgage Concentration (%): Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,611
-2.2% YoY+0.1% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$57.5M
+6.6% YoY+1.1% QoQ
|
+$27.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$41.8M
+3.1% YoY-0.5% QoQ
|
+$26.0M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 9.2% in tier |
| Deposits |
$53.0M
+6.4% YoY+0.8% QoQ
|
+$27.6M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
-1.3%
-937.8% YoY-30.3% QoQ
|
-2.0% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.4% in tier |
| NIM |
3.7%
+0.8% YoY+3.9% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
113.8%
+30.2% YoY-6.1% QoQ
|
+32.4% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate |
1.6%
+89.9% YoY-6.1% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
78.8%
-3.1% YoY-1.3% QoQ
|
+17.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$20,561
+7.3% YoY+0.1% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
7.2%
+15.6% YoY-11.4% QoQ
|
-17.2% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)