BlastPoint's Credit Union Scorecard
MCDONALD COMMUNITY
Charter #1599 · OH
MCDONALD COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Efficiency ratio 4.37% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.6% in tier
- - AMR Growth Rate: Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
- - Loan Growth Rate: Bottom 5.0% 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 -19.8% year over year ($3.9M in shares and deposits).
- Membership: 720 members, -1.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.29%.
- Efficiency ratio 93.14% vs a 88.77% peer average.
- Loan-to-share ratio 13.40% 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 |
720
-1.1% YoY-1.4% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$4.4M
-17.5% YoY-4.7% QoQ
|
$-25.9M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$517,581
-22.2% YoY+4.0% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.8% in tier |
| Deposits |
$3.9M
-19.8% YoY-5.3% QoQ
|
$-21.9M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
18% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-70.7% YoY-50.7% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
4.0%
-4.5% YoY-0.2% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
93.1%
+20.4% YoY+8.2% QoQ
|
+4.4% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
13.4%
-3.0% YoY+9.8% QoQ
|
-45.5% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.5% in tier |
| AMR |
$6,084
-19.2% YoY-3.0% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.9% 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)