BlastPoint's Credit Union Scorecard
MINT VALLEY
Charter #1827 · WA
MINT VALLEY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.12% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Indirect Auto Concentration (%): Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,097
+1.7% YoY-0.2% QoQ
|
-518 |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$23.3M
+3.4% YoY+1.7% QoQ
|
$-6.9M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$13.8M
-6.8% YoY-4.9% QoQ
|
$-2.0M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$18.8M
+1.6% YoY+1.8% QoQ
|
$-6.9M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.5%
-53.7% YoY+17.8% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
5.1%
-7.7% YoY-1.5% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 12.9% in tier |
| Efficiency Ratio |
82.4%
+8.0% YoY+0.4% QoQ
|
-0.2% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
1.2%
-34.3% YoY+5.6% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
73.2%
-8.3% YoY-6.6% QoQ
|
+12.6% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$15,553
-3.7% YoY-0.9% QoQ
|
+$771 |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
20.3%
+10.1% YoY+6.6% QoQ
|
-4.2% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
24.9%
-4.5% YoY-1.6% QoQ
|
+11.1% | 13.8% | 16.8% | 7.8% | 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)