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 0.76% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.88% below tier average
- - Member decline: -3.2% YoY
- - Indirect Auto Concentration (%): Bottom 4.7% 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 33 that size in Washington.
- Shares and deposits +2.9% year over year ($19.1M in shares and deposits).
- Membership: 2,019 members, -3.2% vs a year ago.
- Delinquency rate 0.10%.
- Return on assets 0.61%.
- Efficiency ratio 81.21% vs a 88.77% peer average.
- Loan-to-share ratio 66.60% 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,019
-3.2% YoY-3.3% QoQ
|
-566 |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$23.7M
+3.5% YoY-0.4% QoQ
|
$-6.5M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$12.7M
-10.3% YoY-3.2% QoQ
|
$-2.7M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$19.1M
+2.9% YoY-0.6% QoQ
|
$-6.7M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.6%
+55.2% YoY-32.0% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
4.7%
-8.0% YoY+1.5% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
81.2%
-1.8% YoY-2.9% QoQ
|
-7.6% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.1%
-94.2% YoY-71.2% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
66.6%
-12.8% YoY-2.5% QoQ
|
+7.7% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$15,783
+0.4% YoY+1.7% QoQ
|
+$820 |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
24.0%
+31.1% YoY+4.2% QoQ
|
-0.5% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
23.8%
-7.4% YoY-6.0% QoQ
|
+10.2% | 13.6% | 16.0% | 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)