BlastPoint's Credit Union Scorecard
MATANUSKA VALLEY
Charter #5924 · AK
MATANUSKA VALLEY has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does AK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.5% in tier
- + Emerging Performer: Top 14.1% in tier
- + Profitability Leader: Top 78.7% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.35% above tier average
- + Strong member growth: 5.0% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.0% in tier
- - Credit Risk Growth: Bottom 5.4% in tier
- - Credit Quality Pressure: Bottom 6.3% in tier
- - Delinquency rate 0.13% above tier average
- - Total Assets: Bottom 1.6% in tier
- - Total Loans: Bottom 3.0% in tier
- - Total Deposits: Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,628
+5.0% YoY+1.6% QoQ
|
-34.1K |
98,678
-1.9% YoY
|
113,900
+3.3% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$1.0B
+9.4% YoY+3.9% QoQ
|
$-704.5M |
$1.7B
+0.5% YoY
|
$1.8B
+11.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.3% in tier |
| Loans |
$585.0M
+7.1% YoY+1.5% QoQ
|
$-648.0M |
$1.2B
+0.5% YoY
|
$1.5B
+8.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.6% in tier |
| Deposits |
$889.2M
+9.3% YoY+3.9% QoQ
|
$-565.1M |
$1.5B
+1.3% YoY
|
$1.6B
+14.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.3% in tier |
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| ROA |
1.1%
+7.0% YoY+1.9% QoQ
|
+0.4% |
0.7%
+13.4% YoY
|
0.6%
+34.6% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
3.6%
+5.9% YoY-0.0% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
4.2%
+5.6% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
67.3%
+1.9% YoY-2.8% QoQ
|
-6.7% |
74.0%
-10.9% YoY
|
78.1%
-3.3% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
1.0%
+45.0% YoY+23.0% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
0.8%
-14.6% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
65.8%
-2.0% YoY-2.3% QoQ
|
-19.4% |
85.2%
-0.8% YoY
|
77.0%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.5% in tier |
| AMR |
$22,812
+3.2% YoY+1.3% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$25,886
+3.8% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
23.8%
+3.0% YoY-1.1% QoQ
|
-5.1% |
29.0%
+0.7% YoY
|
21.9%
+3.2% YoY
|
19.6%
+6.2% YoY
|
26% |
| Indirect Auto % |
34.7%
+8.5% YoY+2.7% QoQ
|
+16.0% |
18.8%
-3.0% YoY
|
15.6%
-2.3% YoY
|
7.9%
-2.9% YoY
|
83% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
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)