BlastPoint's Credit Union Scorecard
MOUNTAIN LAUREL
Charter #20053 · PA
MOUNTAIN LAUREL has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.86% above tier average
- + Net Interest Margin 0.82% above tier average
- + Efficiency Ratio: Top 2.1% in tier
- + Net Worth Ratio: Top 3.7% in tier
- + Total Delinquency Rate (60+ days): Top 4.9% in tier
- + Share Certificate Concentration (%): Top 7.5% in tier
- + Members Per Employee (MPE): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,975
-2.0% YoY-0.3% QoQ
|
+2.5K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$167.8M
+7.1% YoY+3.1% QoQ
|
$-64.0M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$80.5M
+2.6% YoY-0.0% QoQ
|
$-66.9M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$134.9M
+5.2% YoY+3.0% QoQ
|
$-65.9M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
2.6%
+10.0% YoY-3.3% QoQ
|
+1.9% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 0.7% in tier |
| NIM |
4.4%
+1.1% YoY+0.1% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 11.1% in tier |
| Efficiency Ratio |
50.8%
-2.9% YoY+1.3% QoQ
|
-26.2% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 2.1% in tier |
| Delinquency Rate |
0.1%
-79.0% YoY-25.3% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 4.9% in tier |
| Loan To Share |
59.7%
-2.5% YoY-2.9% QoQ
|
-12.6% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$11,983
+6.3% YoY+2.2% QoQ
|
$-13K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.9% in tier |
| CD Concentration |
7.7%
+112.5% YoY+13.8% QoQ
|
-16.7% | 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
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)