BlastPoint's Credit Union Scorecard
M G EMPLOYEES
Charter #21787 · OH
2556 CUs in <100M nationally
118 in OH
M G EMPLOYEES has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.3% in tier
- + Net Worth Ratio: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.34% below tier average
- - Efficiency ratio 36.13% above tier (higher cost structure)
- - Member decline: -3.8% YoY
- - Total Members: Bottom 2.2% in tier
- - Total Loans: Bottom 5.2% in tier
- - Loan-to-Share Ratio: Bottom 6.1% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
- - Total Deposits: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
127
-3.8% YoY-2.3% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 2.1% in tier |
| Assets |
$2.1M
-2.5% YoY-4.9% QoQ
|
$-28.0M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.1% in tier |
| Loans |
$313,294
-0.1% YoY-10.9% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.2% in tier |
| Deposits |
$1.4M
-3.0% YoY-6.8% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.4% in tier |
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| ROA |
-0.7%
-175.5% YoY+103.1% QoQ
|
-1.3% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.3% in tier |
| NIM |
2.9%
-24.1% YoY+1.1% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
118.7%
+57.3% YoY+5.8% QoQ
|
+36.1% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 4.4% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
23.1%
+3.0% YoY-4.3% QoQ
|
-37.5% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.9% in tier |
| AMR |
$13,144
+1.3% YoY-5.4% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
9
Net Charge-Off Rate
risk
Value:
-1.93%
Peer Median: -
#9 of 2556
Top 0.3% in <100M tier
92
Net Worth Ratio
risk
Value:
35.92%
Peer Median: -
#92 of 2556
Top 3.6% in <100M tier
Top Weaknesses (12 metrics)
2502
Total Members
engagement
Value:
127
Peer Median: -
#2502 of 2556
Bottom 2.2% in <100M tier
2444
Efficiency Ratio
profitability
Value:
118.69%
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2424
Total Loans
balance_sheet
Value:
$313,294
Peer Median: -
#2424 of 2556
Bottom 5.2% in <100M tier
2402
Loan-to-Share Ratio
balance_sheet
Value:
23.10%
Peer Median: -
#2402 of 2556
Bottom 6.1% in <100M tier
2370
Return on Assets (ROA)
profitability
Value:
-0.72%
Peer Median: -
#2370 of 2556
Bottom 7.3% in <100M tier
2349
Members Per Employee (MPE)
engagement
Value:
127.000
Peer Median: -
#2349 of 2556
Bottom 8.1% in <100M tier
2341
Total Deposits
balance_sheet
Value:
$1.36M
Peer Median: -
#2341 of 2556
Bottom 8.5% in <100M tier
2298
Total Assets
balance_sheet
Value:
$2.13M
Peer Median: -
#2298 of 2556
Bottom 10.1% in <100M tier
2125
Net Interest Margin (NIM)
profitability
Value:
2.92%
Peer Median: -
#2125 of 2556
Bottom 16.9% in <100M tier
2122
Fee Income Per Member
profitability
Value:
$8.94
Peer Median: -
#2122 of 2556
Bottom 17.0% in <100M tier