BlastPoint's Credit Union Scorecard
M G EMPLOYEES
Charter #21787 · OH
M G EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.2% in tier
- + Net Worth Ratio: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Member decline: -3.1% YoY
- - Total Members: Bottom 2.0% in tier
- - Total Loans: Bottom 5.7% in tier
- - Loan-to-Share Ratio: Bottom 8.0% in tier
- - Members Per Employee (MPE): Bottom 8.0% in tier
- - Total Deposits: Bottom 8.2% in tier
- - Deposit Growth Rate: Bottom 8.4% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -9.3% year over year ($1.3M in shares and deposits).
- Membership: 127 members, -3.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.63%.
- Efficiency ratio 80.88% vs a 88.77% peer average.
- Loan-to-share ratio 26.06% vs a 58.89% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
127
-3.1% YoY0% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Bottom 2.0% in tier |
| Assets |
$2.1M
-6.3% YoY-0.9% QoQ
|
$-28.2M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.5% in tier |
| Loans |
$340,427
+2.6% YoY+8.2% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.7% in tier |
| Deposits |
$1.3M
-9.3% YoY-1.7% QoQ
|
$-24.5M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.1% in tier |
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| ROA |
0.6%
+66.9% YoY+28.4% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
39% |
| NIM |
3.3%
+11.5% YoY-10.1% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
80.9%
-7.2% YoY-6.6% QoQ
|
-7.9% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
26.1%
+13.1% YoY+10.1% QoQ
|
-32.8% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.8% in tier |
| AMR |
$12,965
-4.1% YoY+0.2% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 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)