BlastPoint's Credit Union Scorecard

MC

Charter #24929 · PA

100M-500M

1069 CUs in 100M-500M nationally 61 in PA

MC has 5 strengths but faces 4 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

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.83% above tier average
+ Efficiency Ratio: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 1.56% above tier average
- Total Delinquency Rate (60+ days): Bottom 4.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	13,704 +2.5% YoY+0.7% QoQ	-1.7K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	52%
Assets	$243.5M +4.2% YoY+0.1% QoQ	+$11.6M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	62%
Loans	$168.2M +5.6% YoY+1.7% QoQ	+$20.8M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	67%
Deposits	$214.8M +2.4% YoY-0.4% QoQ	+$14.0M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	62%

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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	1.6% +17.9% YoY+6.2% QoQ	+0.8%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	Top 9.1% in tier
NIM	3.5% +4.0% YoY+3.0% QoQ	-0.1%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	46%
Efficiency Ratio	58.1% -5.9% YoY-3.9% QoQ	-18.9%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Top 5.4% in tier
Delinquency Rate	2.5% +135.0% YoY+44.3% QoQ	+1.6	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	Bottom 4.5% in tier
Loan To Share	78.3% +3.1% YoY+2.1% QoQ	+6.0%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	59%
AMR	$27,948 +1.3% YoY-0.2% QoQ	+$3K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	75%
CD Concentration	31.7% -2.4% YoY+2.3% QoQ	+7.3%	24.4%	15.5%	19.8%	50%
Indirect Auto %	14.9% -3.2% YoY-2.1% QoQ	+1.1%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#131 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.49%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.59%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 14.88%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#61 of 182 • 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: 1.59%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.49%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#217 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.49%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 14.88%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#17 of 705 • 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): 1.41% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#73 of 456 • 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): 5.59%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 1.41% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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 1069 peers in tier

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 58.08%

Peer Median: -

#59 of 1069 Top 5.4% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.59%

Peer Median: -

#97 of 1069 Top 9.0% in 100M-500M tier

242

Loan-to-Member Ratio (LMR)

engagement

Value: $12,271

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

244

Member Growth Rate

growth

Value: 2.49%

Peer Median: -

#244 of 1069 Top 22.7% in 100M-500M tier

266

Average Member Relationship (AMR)

engagement

Value: $27,948

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (3 metrics)

1022

Total Delinquency Rate (60+ days)

risk

Value: 2.45%

Peer Median: -

#1022 of 1069 Bottom 4.5% in 100M-500M tier

857

First Mortgage Concentration (%)

balance_sheet

Value: 45.51%

Peer Median: -

#857 of 1069 Bottom 19.9% in 100M-500M tier

823

Share Certificate Concentration (%)

balance_sheet

Value: 31.72%

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier