BlastPoint's Credit Union Scorecard
MT. JEZREEL
Charter #24246 · MD
2556 CUs in <100M nationally
28 in MD
MT. JEZREEL has 8 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% 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 5.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + AMR Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -11.2% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Total Loans: Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - Total Assets: Bottom 1.3% in tier
- - Loan Growth Rate: Bottom 1.6% in tier
- - Total Deposits: Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Total Members: Bottom 4.0% in tier
- - Member Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
-11.2% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.9% in tier |
| Assets |
$229,039
-0.3% YoY-1.1% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.3% in tier |
| Loans |
$4,743
-36.0% YoY0% QoQ
|
$-15.8M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.6% in tier |
| Deposits |
$193,863
-0.4% YoY0% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.6% in tier |
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| ROA |
1.1%
-59.7% YoY-24.8% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
1.7%
-33.1% YoY-24.8% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio |
51.9%
+57.1% YoY+0.0% QoQ
|
-30.7% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
2.4%
-35.8% YoY0% QoQ
|
-58.2% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.5% in tier |
| AMR |
$1,091
+10.7% YoY0% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 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 (7 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
142
Efficiency Ratio
profitability
Value:
51.88%
Peer Median: -
#142 of 2556
Top 5.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
226
AMR Growth Rate
growth
Value:
10.73%
Peer Median: -
#226 of 2556
Top 8.8% in <100M tier
Top Weaknesses (12 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2542
Loan-to-Member Ratio (LMR)
engagement
Value:
$26.06
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2540
Total Loans
balance_sheet
Value:
$4,743
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2540
Loan-to-Share Ratio
balance_sheet
Value:
2.45%
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2524
Average Member Relationship (AMR)
engagement
Value:
$1,091
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2523
Total Assets
balance_sheet
Value:
$229,039
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2516
Loan Growth Rate
growth
Value:
-36.00%
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2516
Total Deposits
balance_sheet
Value:
$193,863
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2496
Net Interest Margin (NIM)
profitability
Value:
1.66%
Peer Median: -
#2496 of 2556
Bottom 2.4% in <100M tier
2454
Total Members
engagement
Value:
182
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier