BlastPoint's Credit Union Scorecard
MT. JEZREEL
Charter #24246 · MD
MT. JEZREEL has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 21.99% above tier (higher cost structure)
- - Member decline: -4.8% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Loans: Bottom 0.6% in tier
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 0.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
178
-4.8% YoY-2.2% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
Bottom 3.8% in tier |
| Assets |
$210,603
-8.8% YoY-8.0% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.2% in tier |
| Loans |
$2,429
-59.4% YoY-48.8% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.6% in tier |
| Deposits |
$172,334
-11.9% YoY-11.1% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.3% in tier |
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| ROA |
-0.3%
-181.8% YoY-125.4% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
2.2%
-10.2% YoY+30.7% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.7% in tier |
| Efficiency Ratio |
112.6%
+30.2% YoY+117.1% QoQ
|
+22.0% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
1.4%
-53.9% YoY-42.4% QoQ
|
-57.1% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.5% in tier |
| AMR |
$981.8
-8.9% YoY-10.0% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 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)