BlastPoint's Credit Union Scorecard

MON VALLEY COMMUNITY

Charter #1911 · PA

1077 CUs in 100M-500M nationally 61 in PA

MON VALLEY COMMUNITY has 8 strengths but faces 12 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 2.1% in tier
+ Wallet Share Momentum: Top 45.2% in tier
+ ROA 1.86% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Efficiency Ratio: Top 0.1% in tier
+ Net Worth Ratio: Top 0.2% in tier
+ Members Per Employee (MPE): Top 0.8% in tier
+ Net Charge-Off Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 2.2% in tier
- Liquidity Overhang: Bottom 2.3% in tier
- Credit Risk Growth: Bottom 5.3% in tier
- Stagnation Risk: Bottom 11.1% in tier
- Credit Quality Pressure: Bottom 11.5% in tier
- Membership Headwinds: Bottom 26.5% in tier
- Delinquency rate 1.57% above tier average
- Fee Income Per Member: Bottom 1.6% in tier
- First Mortgage Concentration (%): Bottom 3.1% in tier
- Total Delinquency Rate (60+ days): Bottom 4.2% in tier
- Loan-to-Share Ratio: Bottom 4.2% in tier
- Total Loans: Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	8,977 -1.2% YoY-0.4% QoQ	-6.7K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	22%
Assets	$187.1M +7.0% YoY+1.1% QoQ	$-44.2M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	47%
Loans	$50.7M +9.9% YoY+4.8% QoQ	$-97.1M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	Bottom 5.5% in tier
Deposits	$130.5M +5.2% YoY+0.0% QoQ	$-69.8M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	31%

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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	2.6% -13.7% YoY-0.7% QoQ	+1.9%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	Top 0.7% in tier
NIM	3.5% -11.8% YoY-1.0% QoQ	-0.0%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	47%
Efficiency Ratio	28.2% +11.7% YoY+1.4% QoQ	-49.1%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	Bottom 0.1% in tier
Delinquency Rate	2.4% +12.4% YoY-4.1% QoQ	+1.6	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	Top 4.2% in tier
Loan To Share	38.9% +4.4% YoY+4.8% QoQ	-33.8%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	Bottom 4.1% in tier
AMR	$20,189 +7.8% YoY+1.8% QoQ	$-4K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	36%
CD Concentration	22.1% +22.3% YoY+4.2% QoQ	-2.3%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#8 of 340 • Top 2.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.65%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.42% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#218 of 481 • Top 45.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.83%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (6)

Margin Compression

decline

#10 of 136 • Bottom 2.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 2.65%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 3.07%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.42% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk

#4 of 134 • Bottom 2.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 32.06%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 38.85%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

Credit Risk Growth

risk

#80 of 446 • Bottom 5.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.90%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.27% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Stagnation Risk

risk

#183 of 550 • Bottom 11.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 9.90%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 2.43%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#285 of 736 • Bottom 11.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.27% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#437 of 550 • Bottom 26.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 28.15%

Peer Avg: -

#2 of 1077 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 32.06%

Peer Avg: -

#3 of 1077 Top 0.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.65%

Peer Avg: -

#8 of 1077 Top 0.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 690.538

Peer Avg: -

#10 of 1077 Top 0.8% in 100M-500M tier

107

Net Charge-Off Rate

risk

Value: 0.06%

Peer Avg: -

#107 of 1077 Top 9.8% in 100M-500M tier

168

Loan Growth Rate

growth

Value: 9.90%

Peer Avg: -

#168 of 1077 Top 15.5% in 100M-500M tier

170

AMR Growth Rate

growth

Value: 7.83%

Peer Avg: -

#170 of 1077 Top 15.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1061

Fee Income Per Member

profitability

Value: $33.94

Peer Avg: -

#1061 of 1077 Bottom 1.6% in 100M-500M tier

1045

First Mortgage Concentration (%)

balance_sheet

Value: 67.94%

Peer Avg: -

#1045 of 1077 Bottom 3.1% in 100M-500M tier

1033

Total Delinquency Rate (60+ days)

risk

Value: 2.43%

Peer Avg: -

#1033 of 1077 Bottom 4.2% in 100M-500M tier

1033

Loan-to-Share Ratio

balance_sheet

Value: 38.85%

Peer Avg: -

#1033 of 1077 Bottom 4.2% in 100M-500M tier

1018

Total Loans

balance_sheet

Value: $50.71M

Peer Avg: -

#1018 of 1077 Bottom 5.6% in 100M-500M tier

967

Loan-to-Member Ratio (LMR)

engagement

Value: $5,649

Peer Avg: -

#967 of 1077 Bottom 10.3% in 100M-500M tier

835

Total Members

engagement

Value: 8,977

Peer Avg: -

#835 of 1077 Bottom 22.6% in 100M-500M tier