BlastPoint's Credit Union Scorecard

MON VALLEY COMMUNITY

Charter #1911 · PA

100M-500M

1024 CUs in 100M-500M nationally 62 in PA

MON VALLEY COMMUNITY has 7 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.67% above tier average
+ Efficiency Ratio: Top 0.1% in tier
+ Net Worth Ratio: Top 0.3% in tier
+ Members Per Employee (MPE): Top 0.8% in tier
+ Net Charge-Off Rate: Top 1.7% in tier
+ Loan Growth Rate: Top 3.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 1.88% above tier average
- Fee Income Per Member: Bottom 1.6% in tier
- First Mortgage Concentration (%): Bottom 2.2% in tier
- Total Delinquency Rate (60+ days): Bottom 3.3% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
Shares and deposits +2.7% year over year ($134M in shares and deposits).
Membership: 8,980 members, -0.4% vs a year ago.
Delinquency rate 2.76%.
Return on assets 2.54%.
Efficiency ratio 27.99% vs a 76.73% peer average.
Loan-to-share ratio 43.29% vs a 71.54% 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 (PA)	National Avg	Tier Percentile
Members	8,980 -0.4% YoY+0.2% QoQ	-6.2K	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	24%
Assets	$193.4M +4.5% YoY+1.9% QoQ	$-38.6M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	49%
Loans	$58.0M +19.8% YoY+6.4% QoQ	$-88.3M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	Bottom 9.9% in tier
Deposits	$134.0M +2.7% YoY+1.8% QoQ	$-66.7M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	32%

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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	2.5% -4.9% YoY+2.2% QoQ	+1.7%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	Top 0.7% in tier
NIM	3.4% -4.1% YoY+0.4% QoQ	-0.3%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	35%
Efficiency Ratio	28.0% +0.8% YoY-4.3% QoQ	-48.7%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	Top 0.1% in tier
Delinquency Rate	2.8% +9.2% YoY+33.6% QoQ	+1.9	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	Bottom 3.3% in tier
Loan To Share	43.3% +16.7% YoY+4.5% QoQ	-28.3%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	Bottom 6.1% in tier
AMR	$21,377 +7.7% YoY+3.0% QoQ	$-4K	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	40%
CD Concentration	24.5% +15.5% YoY+6.5% QoQ	+0.0%	24.6%	15.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#230 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.74%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Liquidity Overhang

risk

#4 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 32.77%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 43.29%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY

Credit Risk Growth

risk

#47 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 19.82%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#309 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Margin Compression

decline

#68 of 140 • Bottom 50.0% 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: 2.54%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.67%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 27.99%

Peer Median: 77.26%

#2 of 1024 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 32.77%

Peer Median: 11.71%

#4 of 1024 Top 0.3% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.54%

Peer Median: 0.75%

#7 of 1024 Top 0.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 748.333

Peer Median: 310.924

#9 of 1024 Top 0.8% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.34%

#18 of 1024 Top 1.7% in 100M-500M tier

Loan Growth Rate

growth

Value: 19.82%

Peer Median: 3.02%

#34 of 1024 Top 3.2% in 100M-500M tier

179

AMR Growth Rate

growth

Value: 7.74%

Peer Median: 3.53%

#179 of 1024 Top 17.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1009

Fee Income Per Member

profitability

Value: $31.45

Peer Median: $159.88

#1009 of 1024 Bottom 1.6% in 100M-500M tier

1002

First Mortgage Concentration (%)

balance_sheet

Value: 70.00%

Peer Median: 29.92%

#1002 of 1024 Bottom 2.2% in 100M-500M tier

991

Total Delinquency Rate (60+ days)

risk

Value: 2.76%

Peer Median: 0.71%

#991 of 1024 Bottom 3.3% in 100M-500M tier

962

Loan-to-Share Ratio

balance_sheet

Value: 43.29%

Peer Median: 73.07%

#962 of 1024 Bottom 6.2% in 100M-500M tier

923

Total Loans

balance_sheet

Value: $57.99M

Peer Median: $124.04M

#923 of 1024 Bottom 10.0% in 100M-500M tier

856

Loan-to-Member Ratio (LMR)

engagement

Value: $6,458

Peer Median: $9,434

#856 of 1024 Bottom 16.5% in 100M-500M tier

776

Total Members

engagement

Value: 8,980

Peer Median: 13,128

#776 of 1024 Bottom 24.3% in 100M-500M tier