BlastPoint's Credit Union Scorecard
MT. JEZREEL
Charter #24246 · MD
2596 CUs in <100M nationally
28 in MD
MT. JEZREEL has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% above tier average
- + 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
- + Efficiency Ratio: Top 7.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -14.2% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 0.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.8% in tier
- - Total Loans: Bottom 0.8% in tier
- - Total Assets: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - Loan Growth Rate: Bottom 1.6% in tier
- - Total Deposits: Bottom 1.7% in tier
- - Member Growth Rate: Bottom 3.1% in tier
- - Total Members: Bottom 4.0% in tier
- - Net Interest Margin (NIM): Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
-14.2% YoY-1.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Bottom 3.9% in tier |
| Assets |
$231,642
-2.4% YoY+0.6% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.3% in tier |
| Loans |
$4,743
-42.1% YoY-1.9% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.7% in tier |
| Deposits |
$193,863
-4.4% YoY-0.1% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.7% in tier |
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| ROA |
1.5%
-55.1% YoY+71.1% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
2.2%
-11.6% YoY-2.1% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio |
51.9%
+78.3% YoY-22.7% QoQ
|
-29.5% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
2.4%
-39.4% YoY-1.8% QoQ
|
-58.8% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.6% in tier |
| AMR |
$1,091
+9.6% YoY+1.0% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
187
Efficiency Ratio
profitability
Value:
51.88%
Peer Avg: -
#187 of 2596
Top 7.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
264
AMR Growth Rate
growth
Value:
9.63%
Peer Avg: -
#264 of 2596
Top 10.1% in <100M tier
522
Return on Assets (ROA)
profitability
Value:
1.50%
Peer Avg: -
#522 of 2596
Top 20.1% in <100M tier
Top Weaknesses (14 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2577
Loan-to-Share Ratio
balance_sheet
Value:
2.45%
Peer Avg: -
#2577 of 2596
Bottom 0.8% in <100M tier
2577
Loan-to-Member Ratio (LMR)
engagement
Value:
$26.06
Peer Avg: -
#2577 of 2596
Bottom 0.8% in <100M tier
2577
Total Loans
balance_sheet
Value:
$4,743
Peer Avg: -
#2577 of 2596
Bottom 0.8% in <100M tier
2563
Total Assets
balance_sheet
Value:
$231,642
Peer Avg: -
#2563 of 2596
Bottom 1.3% in <100M tier
2562
Average Member Relationship (AMR)
engagement
Value:
$1,091
Peer Avg: -
#2562 of 2596
Bottom 1.3% in <100M tier
2556
Loan Growth Rate
growth
Value:
-42.12%
Peer Avg: -
#2556 of 2596
Bottom 1.6% in <100M tier
2552
Total Deposits
balance_sheet
Value:
$193,863
Peer Avg: -
#2552 of 2596
Bottom 1.7% in <100M tier
2517
Member Growth Rate
growth
Value:
-14.15%
Peer Avg: -
#2517 of 2596
Bottom 3.1% in <100M tier
2494
Total Members
engagement
Value:
182
Peer Avg: -
#2494 of 2596
Bottom 4.0% in <100M tier