BlastPoint's Credit Union Scorecard

MOUNTAIN AMERICA

Charter #24692 · UT

Titans 10B+

Mountain America at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Mountain America is one of 101 credit unions in the 2026 VentureTech card set. We also found Mountain America's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Mountain America

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MOUNTAIN AMERICA
PEER · AT VENTURETECH
PEER · AT VENTURETECH
MOUNTAIN AMERICA'S BIGGEST OPPORTUNITY

25 CUs in 10B+ nationally 2 in UT

View Titans leaderboard →

MOUNTAIN AMERICA has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.68% above tier average
+ Strong member growth: 7.3% YoY
+ First Mortgage Concentration (%): Top 4.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 40.0% in tier
- Credit Risk Growth: Bottom 52.0% in tier
- Indirect Auto Dependency: Bottom 60.0% in tier
- Credit Quality Pressure: Bottom 76.0% in tier
- Shrinking Wallet Share: Bottom 84.0% in tier
- ROA 0.15% below tier average
- Delinquency rate 0.28% above tier average

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	1,458,467 +7.3% YoY+1.8% QoQ	-213.4K	1,671,910 -4.2% YoY	84,939 +12.5% YoY	34,678 +6.6% YoY	68%
Assets	$22.9B +6.1% YoY+0.9% QoQ	$-4.8B	$27.7B +0.2% YoY	$1.4B +17.3% YoY	$593.1M +10.2% YoY	68%
Loans	$18.8B +7.2% YoY+1.8% QoQ	$-1.3B	$20.0B -0.9% YoY	$1.1B +18.0% YoY	$418.6M +10.1% YoY	72%
Deposits	$20.3B +6.0% YoY+0.9% QoQ	$-3.2B	$23.5B +0.4% YoY	$1.2B +16.7% YoY	$504.8M +10.3% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +15.8% YoY+0.5% QoQ	-0.2%	1.0% +45.0% YoY	1.0% +17.0% YoY	1.2% +121.4% YoY	44%
NIM	3.9% +4.8% YoY+1.5% QoQ	+0.7%	3.2% +5.4% YoY	3.4% +1.5% YoY	3.8% +2.3% YoY	Top 12.0% in tier
Efficiency Ratio	60.7% -1.4% YoY-0.8% QoQ	-0.8%	61.6% -6.2% YoY	73.7% +1.7% YoY	83.0% -5.3% YoY	44%
Delinquency Rate	1.3% +0.9% YoY+26.4% QoQ	+0.3	1.0% -2.7% YoY	0.8% +17.2% YoY	1.3% +2.6% YoY	72%
Loan To Share	92.4% +1.2% YoY+0.9% QoQ	+4.9%	87.5% -3.0% YoY	75.6% -3.6% YoY	66.4% -1.4% YoY	60%
AMR	$26,786 -0.7% YoY-0.5% QoQ	$-6K	$32,850 +5.7% YoY	$21,736 +3.5% YoY	$20,028 -0.9% YoY	32%
CD Concentration	34.1% -1.8% YoY+0.7% QoQ	+3.9%	30.2%	28.5%	20.0%	68%
Indirect Auto %	17.9% +2.5% YoY+2.2% QoQ	+3.0%	15.0%	6.3%	7.7%	60%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk

#15 of 18 • Bottom 52.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.18%

(Tier: 12.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.08% points, National: 0.08% points)

but better than tier avg

18 of 25 Titans CUs have this signature | 688 nationally

→ Stable (14→18 CUs) +4 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#19 of 21 • Bottom 76.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.08% points, National: 0.08% points)

but better than tier avg

21 of 25 Titans CUs have this signature | 962 nationally

→ Stable (16→21 CUs) +5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#10 of 10 • Bottom 60.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.11%

(Tier: 14.31%, National: 3.30%)

worse than tier avg

Indirect Auto %: 17.94%

(Tier: 14.97%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 7.29%

(Tier: 7.74%, National: 15.67%)

worse than tier avg

10 of 25 Titans CUs have this signature | 714 nationally

→ Stable (9→10 CUs) +1 CUs YoY | Rank worsening

Liquidity Strain

risk

#12 of 12 • Bottom 40.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.42%

(Tier: 87.50%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.18%

(Tier: 12.76%, National: 78.26%)

worse than tier avg

12 of 25 Titans CUs have this signature | 432 nationally

→ Stable (12→12 CUs)

Shrinking Wallet Share

decline

#5 of 5 • Bottom 84.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.70%

(Tier: 4.49%, National: 35.20%)

worse than tier avg

5 of 25 Titans CUs have this signature | 308 nationally

→ Stable (5→5 CUs) | New qualifier

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)

Compare against:

Comparing against 25 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 21.13%

Peer Median: 41.64%

#2 of 25 Top 4.0% in 10B+ tier

Net Interest Margin (NIM)

profitability

Value: 3.93%

Peer Median: 3.16%

#3 of 25 Top 8.0% in 10B+ tier

Member Growth Rate

growth

Value: 7.29%

Peer Median: 4.14%

#4 of 25 Top 12.0% in 10B+ tier

Fee Income Per Member

profitability

Value: $261.36

Peer Median: $216.78

#5 of 25 Top 16.0% in 10B+ tier

Total Loans

balance_sheet

Value: $18.76B

Peer Median: $13.76B

#7 of 25 Top 24.0% in 10B+ tier

Top Weaknesses (3 metrics)

Members Per Employee (MPE)

engagement

Value: 354.255

Peer Median: 431.551

#22 of 25 Bottom 16.0% in 10B+ tier

AMR Growth Rate

growth

Value: -0.70%

Peer Median: 3.74%

#21 of 25 Bottom 20.0% in 10B+ tier

Net Charge-Off Rate

risk

Value: 1.21%

Peer Median: 0.75%

#21 of 25 Bottom 20.0% in 10B+ tier