BlastPoint's Credit Union Scorecard
M G EMPLOYEES
Charter #21787 · OH
M G EMPLOYEES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.4% in tier
- + Net Worth Ratio: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
- - Total Members: Bottom 2.2% in tier
- - Total Loans: Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
- - Total Deposits: Bottom 8.4% in tier
- - Total Assets: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
127
-3.1% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Bottom 2.2% in tier |
| Assets |
$2.1M
-3.9% YoY-1.2% QoQ
|
$-28.1M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.9% in tier |
| Loans |
$314,543
+1.2% YoY+0.4% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.4% in tier |
| Deposits |
$1.3M
-5.8% YoY-2.0% QoQ
|
$-24.5M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.3% in tier |
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| ROA |
0.5%
-272.9% YoY-168.2% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
44% |
| NIM |
3.6%
+22.2% YoY+24.8% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
86.6%
-20.9% YoY-27.0% QoQ
|
-4.0% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
23.7%
+7.4% YoY+2.5% QoQ
|
-34.8% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.5% in tier |
| AMR |
$12,938
-1.5% YoY-1.6% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)