BlastPoint's Credit Union Scorecard
M.A.B.C.
Charter #24266 · PA
<100M
2508 CUs in <100M nationally
186 in PA
M.A.B.C. has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.01% above tier average
- + Net Interest Margin 0.70% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.8% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 1.5% in tier
- - Total Loans: Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Total Members: Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130
-1.5% YoY-1.5% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 2.2% in tier |
| Assets |
$162,969
-0.5% YoY+1.4% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.8% in tier |
| Loans |
$31,869
+0.5% YoY+1.4% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.6% in tier |
| Deposits |
$126,468
-2.1% YoY+1.0% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.2%
-29.1% YoY+70.5% QoQ
|
+2.0% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 4.9% in tier |
| NIM |
4.7%
-11.2% YoY+3.4% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
56.8%
+27.6% YoY-22.8% QoQ
|
-33.8% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 9.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
25.2%
+2.6% YoY+0.4% QoQ
|
-33.3% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.5% in tier |
| AMR |
$1,218
-0.1% YoY+2.7% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
123
Return on Assets (ROA)
profitability
Value:
2.16%
Peer Median: 0.61%
#123 of 2508
Top 4.9% in <100M tier
229
Efficiency Ratio
profitability
Value:
56.81%
Peer Median: 81.45%
#229 of 2508
Top 9.1% in <100M tier
401
Net Worth Ratio
risk
Value:
22.40%
Peer Median: 14.28%
#401 of 2508
Top 15.9% in <100M tier
436
Net Interest Margin (NIM)
profitability
Value:
4.71%
Peer Median: 3.83%
#436 of 2508
Top 17.3% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (9 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2489
Total Assets
balance_sheet
Value:
$162,969
Peer Median: $21.86M
#2489 of 2508
Bottom 0.8% in <100M tier
2487
Total Deposits
balance_sheet
Value:
$126,468
Peer Median: $18.77M
#2487 of 2508
Bottom 0.9% in <100M tier
2471
Average Member Relationship (AMR)
engagement
Value:
$1,218
Peer Median: $13,926
#2471 of 2508
Bottom 1.5% in <100M tier
2467
Total Loans
balance_sheet
Value:
$31,869
Peer Median: $9.48M
#2467 of 2508
Bottom 1.7% in <100M tier
2459
Loan-to-Member Ratio (LMR)
engagement
Value:
$245.15
Peer Median: $4,923
#2459 of 2508
Bottom 2.0% in <100M tier
2451
Total Members
engagement
Value:
130
Peer Median: 1,918
#2451 of 2508
Bottom 2.3% in <100M tier
2319
Loan-to-Share Ratio
balance_sheet
Value:
25.20%
Peer Median: 58.72%
#2319 of 2508
Bottom 7.6% in <100M tier
2176
Fee Income Per Member
profitability
Value:
$3.60
Peer Median: $60.42
#2176 of 2508
Bottom 13.3% in <100M tier