BlastPoint's Credit Union Scorecard
MOUNTAIN LAUREL
Charter #20053 · PA
MOUNTAIN LAUREL has 11 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 1.8% in tier
- + Credit Quality Leader: Top 26.2% in tier
- + ROA 1.92% above tier average
- + Net Interest Margin 0.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.3% in tier
- + Net Worth Ratio: Top 3.8% in tier
- + Share Certificate Concentration (%): Top 6.0% in tier
- + Net Charge-Off Rate: Top 6.5% in tier
- + Total Delinquency Rate (60+ days): Top 7.4% in tier
- + Members Per Employee (MPE): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 10.2% in tier
- - Membership Headwinds: Bottom 18.4% in tier
- - Liquidity Overhang: Bottom 25.6% in tier
- - Member decline: -2.2% YoY
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,035
-2.2% YoY-0.5% QoQ
|
+2.4K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$162.9M
+5.7% YoY-0.2% QoQ
|
$-68.4M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$80.5M
+0.1% YoY+0.9% QoQ
|
$-67.3M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$130.9M
+3.4% YoY-1.1% QoQ
|
$-69.3M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
2.7%
+16.3% YoY-1.1% QoQ
|
+1.9% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 0.6% in tier |
| NIM |
4.4%
+3.4% YoY+0.9% QoQ
|
+0.8% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
50.2%
-5.0% YoY+1.4% QoQ
|
-27.1% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.3% in tier |
| Delinquency Rate |
0.1%
-10.8% YoY-52.1% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.4% in tier |
| Loan To Share |
61.5%
-3.2% YoY+2.0% QoQ
|
-11.2% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$11,725
+4.5% YoY+0.1% QoQ
|
$-13K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.6% in tier |
| CD Concentration |
6.8%
+102.1% YoY+13.0% QoQ
|
-17.6% |
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
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)