BlastPoint's Credit Union Scorecard

MOUNTAIN LAUREL

Charter #20053 · PA

100M-500M

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

MOUNTAIN LAUREL has 7 strengths but faces 6 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 1.36% above tier average
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio: Top 3.7% in tier
+ Net Worth Ratio: Top 3.8% in tier
+ Total Delinquency Rate (60+ days): Top 4.7% in tier
+ Share Certificate Concentration (%): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- 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 2.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.3% 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 +5.2% year over year ($139M in shares and deposits).
Membership: 17,873 members, -1.4% vs a year ago.
Delinquency rate 0.08%.
Return on assets 2.22%.
Efficiency ratio 54.31% vs a 76.73% peer average.
Loan-to-share ratio 60.11% 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	17,873 -1.4% YoY-0.2% QoQ	+2.7K	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	69%
Assets	$174.2M +6.7% YoY+0.7% QoQ	$-57.8M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	40%
Loans	$83.7M +4.9% YoY+6.7% QoQ	$-62.5M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	25%
Deposits	$139.3M +5.2% YoY+0.2% QoQ	$-61.4M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	35%

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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	2.2% -18.9% YoY+2.6% QoQ	+1.4%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	Top 2.1% in tier
NIM	4.2% -4.6% YoY+0.5% QoQ	+0.5%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	79%
Efficiency Ratio	54.3% +9.7% YoY+1.2% QoQ	-22.4%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	Top 3.7% in tier
Delinquency Rate	0.1% -72.6% YoY	-0.8	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	Top 4.7% in tier
Loan To Share	60.1% -0.2% YoY+6.5% QoQ	-11.4%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	26%
AMR	$12,477 +6.5% YoY+2.7% QoQ	$-13K	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	Bottom 2.6% in tier
CD Concentration	9.2% +53.0% YoY+7.1% QoQ	-15.4%	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

#334 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): 6.54%

(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)

Margin Compression

decline

#7 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: 2.22%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.74%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.52% 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 | New qualifier

Liquidity Overhang

risk

#33 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: 19.68%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 60.11%

(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

Membership Headwinds

decline

#412 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.37%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Stagnation Risk

risk

#524 of 549 • Bottom 50.0% 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): -1.37%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 4.92%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.08%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 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 (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

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

Return on Assets (ROA)

profitability

Value: 2.22%

Peer Median: 0.75%

#21 of 1024 Top 2.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.31%

Peer Median: 77.26%

#39 of 1024 Top 3.7% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.68%

Peer Median: 11.71%

#40 of 1024 Top 3.8% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: 0.71%

#49 of 1024 Top 4.7% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 9.20%

Peer Median: 23.39%

#95 of 1024 Top 9.2% in 100M-500M tier

119

Members Per Employee (MPE)

engagement

Value: 446.825

Peer Median: 310.924

#119 of 1024 Top 11.5% in 100M-500M tier

159

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.34%

#159 of 1024 Top 15.4% in 100M-500M tier

214

Net Interest Margin (NIM)

profitability

Value: 4.18%

Peer Median: 3.67%

#214 of 1024 Top 20.8% in 100M-500M tier

Top Weaknesses (3 metrics)

997

Average Member Relationship (AMR)

engagement

Value: $12,477

Peer Median: $23,006

#997 of 1024 Bottom 2.7% in 100M-500M tier

981

Loan-to-Member Ratio (LMR)

engagement

Value: $4,684

Peer Median: $9,434

#981 of 1024 Bottom 4.3% in 100M-500M tier

908

Fee Income Per Member

profitability

Value: $88.94

Peer Median: $159.88

#908 of 1024 Bottom 11.4% in 100M-500M tier