BlastPoint's Credit Union Scorecard
M.A.B.C.
Charter #24266 · PA
M.A.B.C. has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.51% above tier average
- + Efficiency Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 6.65% above tier average
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Assets: Bottom 0.8% in tier
- - Total Deposits: Bottom 0.8% in tier
- - Total Loans: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
- - Total Members: Bottom 2.3% 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 183 that size in Pennsylvania.
- Shares and deposits +2.9% year over year ($130K in shares and deposits).
- Membership: 131 members, -0.8% vs a year ago.
- Delinquency rate 8.20%.
- Return on assets 2.17%.
- Efficiency ratio 54.20% vs a 88.77% peer average.
- Loan-to-share ratio 19.11% 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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131
-0.8% YoY+0.8% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 2.2% in tier |
| Assets |
$167,060
+3.2% YoY+2.5% QoQ
|
$-30.1M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.8% in tier |
| Loans |
$24,790
-14.7% YoY-22.2% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.2% in tier |
| Deposits |
$129,740
+2.9% YoY+2.6% QoQ
|
$-25.7M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.8% in tier |
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| ROA |
2.2%
-18.9% YoY+0.4% QoQ
|
+0.7% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 7.8% in tier |
| NIM |
4.4%
-10.2% YoY-6.4% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
54.2%
+12.6% YoY-4.6% QoQ
|
-34.6% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 6.9% in tier |
| Delinquency Rate | 8.2% | +6.7 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
19.1%
-17.1% YoY-24.2% QoQ
|
-39.8% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.8% in tier |
| AMR |
$1,180
+0.3% YoY-3.1% QoQ
|
$-14K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.2% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 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)