BlastPoint's Credit Union Scorecard

MON VALLEY COMMUNITY

Charter #1911 · PA

1069 CUs in 100M-500M nationally 61 in PA

MON VALLEY COMMUNITY has 7 strengths but faces 11 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 99.6% in tier
+ ROA 1.74% 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 0.9% in tier
+ Net Charge-Off Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 0.8% in tier
- Liquidity Overhang: Bottom 2.2% in tier
- Cost Spiral: Bottom 33.3% in tier
- Stagnation Risk: Bottom 81.9% in tier
- Membership Headwinds: Bottom 82.5% in tier
- Delinquency rate 1.13% above tier average
- Fee Income Per Member: Bottom 1.2% in tier
- First Mortgage Concentration (%): Bottom 3.0% in tier
- Loan-to-Share Ratio: Bottom 4.6% in tier
- Total Loans: Bottom 6.2% in tier
- Total Delinquency Rate (60+ days): Bottom 7.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	8,964 -1.2% YoY-0.1% QoQ	-6.5K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	23%
Assets	$186.6M +4.4% YoY-0.3% QoQ	$-45.3M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	46%
Loans	$52.3M +10.7% YoY+3.0% QoQ	$-95.1M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	Bottom 6.1% in tier
Deposits	$129.0M +1.2% YoY-1.2% QoQ	$-71.9M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	30%

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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% -17.3% YoY-5.6% QoQ	+1.7%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	Top 0.9% in tier
NIM	3.5% -10.8% YoY-0.4% QoQ	-0.1%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	46%
Efficiency Ratio	31.9% +26.7% YoY+13.2% QoQ	-45.1%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Bottom 0.1% in tier
Delinquency Rate	2.0% -24.6% YoY-16.4% QoQ	+1.1	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	Top 7.0% in tier
Loan To Share	40.5% +9.4% YoY+4.3% QoQ	-31.7%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	Bottom 4.5% in tier
AMR	$20,215 +5.0% YoY+0.1% QoQ	$-4K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	35%
CD Concentration	22.6% +19.0% YoY+2.0% QoQ	-1.9%	24.4%	15.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#511 of 513 • Top 99.6% in tier

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

Why This Signature

AMR Growth (YoY): 5.02%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Margin Compression

decline

#2 of 123 • Bottom 0.8% 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: 2.50%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 3.03%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.52% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Liquidity Overhang

risk

#4 of 135 • Bottom 2.2% in tier

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

Why This Signature

Net Worth Ratio: 32.67%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 40.53%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Cost Spiral

risk

#16 of 46 • Bottom 33.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.71% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 21.64%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Stagnation Risk

risk

#454 of 554 • Bottom 81.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.17%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 10.73%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 2.03%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#457 of 554 • Bottom 82.5% in tier

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

Why This Signature

Member Growth (YoY): -1.17%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 31.87%

Peer Median: -

#2 of 1069 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 32.67%

Peer Median: -

#3 of 1069 Top 0.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.50%

Peer Median: -

#10 of 1069 Top 0.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 689.538

Peer Median: -

#11 of 1069 Top 0.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: -

#97 of 1069 Top 9.0% in 100M-500M tier

152

Loan Growth Rate

growth

Value: 10.73%

Peer Median: -

#152 of 1069 Top 14.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1057

Fee Income Per Member

profitability

Value: $33.43

Peer Median: -

#1057 of 1069 Bottom 1.2% in 100M-500M tier

1038

First Mortgage Concentration (%)

balance_sheet

Value: 67.92%

Peer Median: -

#1038 of 1069 Bottom 3.0% in 100M-500M tier

1021

Loan-to-Share Ratio

balance_sheet

Value: 40.53%

Peer Median: -

#1021 of 1069 Bottom 4.6% in 100M-500M tier

1004

Total Loans

balance_sheet

Value: $52.26M

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

995

Total Delinquency Rate (60+ days)

risk

Value: 2.03%

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

943

Loan-to-Member Ratio (LMR)

engagement

Value: $5,830

Peer Median: -

#943 of 1069 Bottom 11.9% in 100M-500M tier

820

Total Members

engagement

Value: 8,964

Peer Median: -

#820 of 1069 Bottom 23.4% in 100M-500M tier

811

Deposit Growth Rate

growth

Value: 1.22%

Peer Median: -

#811 of 1069 Bottom 24.2% in 100M-500M tier