BlastPoint's Credit Union Scorecard
MINT VALLEY
Charter #1827 · WA
MINT VALLEY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.22% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 0.71% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,102
+2.8% YoY+0.8% QoQ
|
-523 |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$22.9M
+1.8% YoY-0.3% QoQ
|
$-7.0M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$14.5M
-6.8% YoY+2.2% QoQ
|
$-1.3M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$18.5M
-0.6% YoY-0.5% QoQ
|
$-7.0M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
50% |
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 |
0.5%
-60.4% YoY+16.3% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
5.2%
-6.1% YoY+1.8% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Top 11.3% in tier |
| Efficiency Ratio |
82.1%
+8.8% YoY-0.8% QoQ
|
+0.7% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.2%
-14.5% YoY-35.1% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
78.4%
-6.3% YoY+2.7% QoQ
|
+17.2% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$15,696
-6.1% YoY-0.2% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
61% |
| CD Concentration |
19.0%
+20.2% YoY+3.7% QoQ
|
-5.4% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
25.3%
-3.7% YoY-1.7% QoQ
|
+11.3% |
14.0%
-5.7% YoY
|
17.1%
-8.4% 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)