BlastPoint's Credit Union Scorecard

MATANUSKA VALLEY

Charter #5924 · AK

Community 750M-1B

117 CUs in 750M-1B nationally 1 in AK

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MATANUSKA VALLEY has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

AK Analysis

How does AK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.12% above tier average
+ Net Interest Margin 0.33% above tier average
+ Total Deposits: Top 1.7% in tier
+ Total Assets: Top 4.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.3% in tier
- Margin Compression: Bottom 36.6% in tier
- Credit Risk Growth: Bottom 43.7% in tier
- Indirect Auto Dependency: Bottom 54.7% in tier
- Delinquency rate 0.27% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	65,250 +4.2% YoY+0.9% QoQ	+13.7K	51,500 +0.7% YoY	114,751 +3.4% YoY	33,913 +5.7% YoY	Top 14.5% in tier
Assets	$985.0M +3.5% YoY-2.5% QoQ	+$119.4M	$865.6M +0.9% YoY	$1.8B +8.8% YoY	$578.3M +9.0% YoY	Top 5.1% in tier
Loans	$582.1M +4.3% YoY-1.1% QoQ	$-13.2M	$595.3M +1.6% YoY	$1.4B +7.7% YoY	$402.4M +8.7% YoY	39%
Deposits	$885.0M +6.0% YoY+0.1% QoQ	+$142.8M	$742.2M +0.6% YoY	$1.6B +10.3% YoY	$494.3M +9.1% YoY	Top 2.6% in tier

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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	0.9% -22.0% YoY+2.8% QoQ	+0.1%	0.8% +45.0% YoY	0.8% +12.2% YoY	0.4% -39.2% YoY	62%
NIM	3.8% +4.9% YoY+4.7% QoQ	+0.3%	3.5% +6.1% YoY	4.2% +5.3% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	69.9% +2.9% YoY+4.7% QoQ	-5.6%	75.5% -3.4% YoY	77.7% -1.8% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.9% +91.3% YoY-14.0% QoQ	+0.3	0.7% -0.1% YoY	0.8% +11.5% YoY	1.2% +3.4% YoY	77%
Loan To Share	65.8% -1.6% YoY-1.2% QoQ	-14.8%	80.6% +0.7% YoY	75.0% -0.5% YoY	65.6% -1.4% YoY	16%
AMR	$22,483 +1.0% YoY-1.2% QoQ	$-6K	$28,908 +0.7% YoY	$26,073 +2.2% YoY	$19,920 +1.6% YoY	26%
CD Concentration	24.0% +1.5% YoY-3.1% QoQ	-0.2%	24.3%	22.8%	19.8%	49%
Indirect Auto %	34.2% +1.4% YoY-1.6% QoQ	+20.4%	13.8%	15.3%	7.7%	Bottom 13.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#138 of 727 • Bottom 10.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.45% points

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

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#163 of 476 • Bottom 43.7% in tier

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

Why This Signature

Loan Growth (YoY): 4.27%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.45% points

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

worse than tier avg

710 nationally

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

Margin Compression

decline

#67 of 133 • Bottom 36.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.88%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.13%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Indirect Auto Dependency

risk

#299 of 504 • Bottom 54.7% in tier

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

Why This Signature

Asset Growth (YoY): 3.54%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 34.24%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.21%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 117 peers in tier

Top Strengths (5 metrics)

Total Deposits

balance_sheet

Value: $884.96M

Peer Median: $735.65M

#3 of 117 Top 1.7% in 750M-1B tier

Total Assets

balance_sheet

Value: $985.01M

Peer Median: $858.87M

#6 of 117 Top 4.3% in 750M-1B tier

Total Members

engagement

Value: 65,250

Peer Median: 51,712

#17 of 117 Top 13.7% in 750M-1B tier

Member Growth Rate

growth

Value: 4.21%

Peer Median: 0.97%

#25 of 117 Top 20.5% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.93%

Peer Median: 32.60%

#26 of 117 Top 21.4% in 750M-1B tier

Top Weaknesses (6 metrics)

101

Indirect Auto Concentration (%)

balance_sheet

Value: 34.24%

Peer Median: 13.79%

#101 of 117 Bottom 14.5% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 65.78%

Peer Median: 84.41%

#98 of 117 Bottom 17.1% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $8,921

Peer Median: $11,598

#96 of 117 Bottom 18.8% in 750M-1B tier

Fee Income Per Member

profitability

Value: $134.41

Peer Median: $187.56

#92 of 117 Bottom 22.2% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.86%

Peer Median: 0.47%

#92 of 117 Bottom 22.2% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.95%

Peer Median: 0.56%

#91 of 117 Bottom 23.1% in 750M-1B tier