BlastPoint's Credit Union Scorecard
MON VALLEY COMMUNITY
Charter #1911 · PA
MON VALLEY COMMUNITY has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.75% above tier average
- + Efficiency Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 0.2% in tier
- + Members Per Employee (MPE): Top 0.7% in tier
- + Net Charge-Off Rate: Top 3.5% in tier
- + Loan Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 1.29% above tier average
- - Fee Income Per Member: Bottom 2.1% in tier
- - First Mortgage Concentration (%): Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,961
-1.2% YoY-0.0% QoQ
|
-6.2K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$189.8M
+4.8% YoY+1.7% QoQ
|
$-41.9M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$54.5M
+13.4% YoY+4.3% QoQ
|
$-89.7M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.3% in tier |
| Deposits |
$131.6M
+2.8% YoY+2.0% QoQ
|
$-69.6M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
2.5%
-4.0% YoY-0.8% QoQ
|
+1.8% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 1.3% in tier |
| NIM |
3.4%
-3.0% YoY-3.2% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
37% |
| Efficiency Ratio |
29.2%
+2.0% YoY-8.2% QoQ
|
-48.8% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 0.2% in tier |
| Delinquency Rate |
2.1%
-8.5% YoY+2.1% QoQ
|
+1.3 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
41.4%
+10.3% YoY+2.2% QoQ
|
-29.0% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.0% in tier |
| AMR |
$20,762
+6.9% YoY+2.7% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
23.0%
+15.0% YoY+2.0% QoQ
|
-1.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)