BlastPoint's Credit Union Scorecard

MC

Charter #24929 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

MC has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.83% above tier average
+ Efficiency Ratio: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 0.84% above tier average
- Total Delinquency Rate (60+ days): Bottom 9.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	13,794 +2.8% YoY+0.7% QoQ	-1.4K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	53%
Assets	$249.7M +2.9% YoY+2.5% QoQ	+$18.0M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	63%
Loans	$171.9M +8.9% YoY+2.2% QoQ	+$27.8M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	69%
Deposits	$220.1M +1.1% YoY+2.4% QoQ	+$19.0M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +21.9% YoY-2.1% QoQ	+0.8%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	Top 9.9% in tier
NIM	3.6% +10.1% YoY+1.9% QoQ	+0.0%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	57.6% -11.9% YoY-0.9% QoQ	-20.5%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Top 5.5% in tier
Delinquency Rate	1.6% +8.6% YoY-34.0% QoQ	+0.8	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	Bottom 9.1% in tier
Loan To Share	78.1% +7.7% YoY-0.2% QoQ	+7.7%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	63%
AMR	$28,418 +1.5% YoY+1.7% QoQ	+$3K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	76%
CD Concentration	30.8% -2.9% YoY-2.9% QoQ	+6.5%	24.3%	15.4%	19.8%	50%
Indirect Auto %	15.2% +1.2% YoY+1.9% QoQ	+1.4%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#46 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.55%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.84%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#191 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.87%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#443 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#494 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.90%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 15.17%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.84%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | 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 1070 peers in tier

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 57.56%

Peer Median: 78.68%

#60 of 1070 Top 5.5% in 100M-500M tier

106

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Median: 0.69%

#106 of 1070 Top 9.8% in 100M-500M tier

223

Loan Growth Rate

growth

Value: 8.87%

Peer Median: 2.93%

#223 of 1070 Top 20.7% in 100M-500M tier

224

Loan-to-Member Ratio (LMR)

engagement

Value: $12,462

Peer Median: $9,356

#224 of 1070 Top 20.8% in 100M-500M tier

227

Member Growth Rate

growth

Value: 2.84%

Peer Median: -0.06%

#227 of 1070 Top 21.1% in 100M-500M tier

258

Average Member Relationship (AMR)

engagement

Value: $28,418

Peer Median: $22,931

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (2 metrics)

974

Total Delinquency Rate (60+ days)

risk

Value: 1.62%

Peer Median: 0.61%

#974 of 1070 Bottom 9.1% in 100M-500M tier

862

First Mortgage Concentration (%)

balance_sheet

Value: 45.59%

Peer Median: 29.47%

#862 of 1070 Bottom 19.5% in 100M-500M tier