BlastPoint's Credit Union Scorecard
MC
Charter #24929 · PA
MC has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.63% above tier average
- + Efficiency Ratio: Top 5.3% 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
- - Deposit Outflow: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 1.24% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits -0.8% year over year ($217M in shares and deposits).
- Membership: 13,857 members, +2.8% vs a year ago.
- Delinquency rate 2.12%.
- Return on assets 1.49%.
- Efficiency ratio 56.77% vs a 76.73% peer average.
- Loan-to-share ratio 82.74% vs a 71.54% 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 |
13,857
+2.8% YoY+0.5% QoQ
|
-1.3K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$247.2M
+1.1% YoY-1.0% QoQ
|
+$15.2M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$179.3M
+11.9% YoY+4.3% QoQ
|
+$33.0M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$216.7M
-0.8% YoY-1.5% QoQ
|
+$16.0M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
1.5%
+15.4% YoY-4.2% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 12.8% in tier |
| NIM |
3.7%
+13.0% YoY+2.9% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
56.8%
-10.7% YoY-1.4% QoQ
|
-20.0% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 5.3% in tier |
| Delinquency Rate |
2.1%
+13.1% YoY+30.8% QoQ
|
+1.2 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.2% in tier |
| Loan To Share |
82.7%
+12.8% YoY+5.9% QoQ
|
+11.2% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$28,577
+1.8% YoY+0.6% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
30.0%
-3.7% YoY-2.5% QoQ
|
+5.5% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
15.5%
+3.9% YoY+2.1% QoQ
|
+1.9% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)