BlastPoint's Credit Union Scorecard

MINT VALLEY

Charter #1827 · WA

<100M

2508 CUs in <100M nationally 33 in WA

MINT VALLEY has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.75% above tier average
+ Net Interest Margin 0.58% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 4.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	2,088 +0.2% YoY-0.4% QoQ	-588	2,676 +1.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	53%
Assets	$23.8M +1.7% YoY+2.5% QoQ	$-6.3M	$30.2M +1.3% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	52%
Loans	$13.2M -8.7% YoY-4.6% QoQ	$-2.1M	$15.3M -2.0% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	59%
Deposits	$19.2M +0.5% YoY+2.2% QoQ	$-6.5M	$25.8M +0.7% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	51%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +382.3% YoY+66.7% QoQ	+0.8%	0.1% -77.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	65%
NIM	4.6% -9.7% YoY-9.5% QoQ	+0.6%	4.0% +4.0% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	83.6% +4.7% YoY+1.5% QoQ	-7.0%	90.6% +6.5% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	55%
Delinquency Rate	0.4% -71.0% YoY-70.7% QoQ	-1.1	1.5% +3.8% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	38%
Loan To Share	68.3% -9.2% YoY-6.6% QoQ	+9.8%	58.5% -3.0% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	65%
AMR	$15,517 -3.6% YoY-0.2% QoQ	+$633	$14,884 -1.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	58%
CD Concentration	23.0% +24.9% YoY+13.7% QoQ	-1.2%	24.3%	22.5%	19.8%	50%
Indirect Auto %	25.3% -4.9% YoY+1.8% QoQ	+11.5%	13.8%	16.1%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (1 metrics)

523

Net Interest Margin (NIM)

profitability

Value: 4.59%

Peer Median: 3.83%

#523 of 2508 Top 20.8% in <100M tier

Top Weaknesses (3 metrics)

2394

Indirect Auto Concentration (%)

balance_sheet

Value: 25.33%

Peer Median: 0.00%

#2394 of 2508 Bottom 4.6% in <100M tier

2141

Net Charge-Off Rate

risk

Value: 0.95%

Peer Median: 0.07%

#2141 of 2508 Bottom 14.7% in <100M tier

1956

AMR Growth Rate

growth

Value: -3.63%

Peer Median: 1.27%

#1956 of 2508 Bottom 22.0% in <100M tier