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BlastPoint's Credit Union Scorecard

MOUNTAINCREST

Charter #68253 · WA

100M-500M
1024 CUs in 100M-500M nationally 15 in WA

MOUNTAINCREST has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?
WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 50.0% in tier
  • + ROA 0.12% above tier average
  • + Net Interest Margin 0.66% above tier average
  • + Strong member growth: 10.5% YoY
  • + Member Growth Rate: Top 2.8% in tier
  • + First Mortgage Concentration (%): Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Margin Compression: Bottom 50.0% in tier
  • - Delinquency rate 1.34% above tier average
  • - AMR Growth Rate: Bottom 2.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.1% 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 15 that size in Washington.
  • Shares and deposits +0.0% year over year ($131M in shares and deposits).
  • Membership: 10,315 members, +10.5% vs a year ago.
  • Delinquency rate 2.22%.
  • Return on assets 0.99%.
  • Efficiency ratio 70.16% vs a 76.73% peer average.
  • Loan-to-share ratio 74.83% 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 (WA) National Avg Tier Percentile
Members 10,315
+10.5% YoY-0.3% QoQ
 -4.9K 15,168
-2.6% YoY
 69,472
+6.3% YoY
 34,678
+6.6% YoY
 34%
Assets $152.9M
+1.3% YoY-1.2% QoQ
 $-79.1M $232.0M
+0.7% YoY
 $1.3B
+8.7% YoY
 $593.1M
+10.2% YoY
 32%
Loans $98.0M
+4.4% YoY+1.0% QoQ
 $-48.3M $146.3M
+0.2% YoY
 $968.5M
+8.7% YoY
 $418.6M
+10.1% YoY
 34%
Deposits $130.9M
+0.0% YoY-1.9% QoQ
 $-69.8M $200.7M
+0.2% YoY
 $1.1B
+8.8% YoY
 $504.8M
+10.3% YoY
 31%

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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 1.0%
-12.6% YoY+33.3% QoQ
 +0.1% 0.9%
+12.5% YoY
 0.7%
+22.8% YoY
 1.2%
+121.4% YoY
 63%
NIM 4.3%
+1.6% YoY+2.7% QoQ
 +0.7% 3.7%
+4.5% YoY
 3.8%
+3.6% YoY
 3.8%
+2.3% YoY
 Top 14.6% in tier
Efficiency Ratio 70.2%
+1.8% YoY-6.3% QoQ
 -6.6% 76.7%
-0.8% YoY
 77.5%
+0.3% YoY
 83.0%
-5.3% YoY
 27%
Delinquency Rate 2.2%
+160.9% YoY+35.9% QoQ
 +1.3 0.9%
+6.6% YoY
 0.9%
-3.0% YoY
 1.3%
+2.6% YoY
 Bottom 5.1% in tier
Loan To Share 74.8%
+4.4% YoY+3.0% QoQ
 +3.3% 71.5%
-0.3% YoY
 76.2%
-1.2% YoY
 66.4%
-1.4% YoY
 53%
AMR $22,191
-7.8% YoY-0.4% QoQ
 $-3K $25,107
+3.2% YoY
 $29,351
+3.2% YoY
 $20,028
-0.9% YoY
 45%
CD Concentration 24.0%
+10.2% YoY+2.3% QoQ
 -0.6% 24.6% 22.7% 20.0% 50%
Indirect Auto % 42.8%
+6.5% YoY+1.2% QoQ
 +29.2% 13.6% 16.0% 7.7% 50%

Signature Analysis

Strengths (1)

Emerging Performer

growth
#35 of 175 • 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: 0.99%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Member Growth (YoY): 10.49%
(Tier: 0.46%, National: 15.67%)
better than tier avg
175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally
→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#25 of 693 • 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): 1.37% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#27 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -7.81%
(Tier: 3.97%, National: 35.20%)
worse than tier avg
223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally
↓ Shrinking -61 CUs YoY | New qualifier

Credit Risk Growth

risk
#96 of 472 • 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): 4.44%
(Tier: 4.13%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 1.37% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally
↑ Growing +32 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#323 of 476 • 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): 1.28%
(Tier: 4.62%, National: 3.30%)
worse than tier avg
Indirect Auto %: 42.82%
(Tier: 13.63%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 10.49%
(Tier: 0.46%, National: 15.67%)
but better than tier avg
476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally
↓ Shrinking -57 CUs YoY | Rank worsening

Margin Compression

decline
#126 of 140 • Bottom 50.0% 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: 0.99%
(Tier: 0.85%, National: 1.23%)
but better than tier avg
ROA (Prior Year): 1.13%
(Tier: 0.75%, National: 0.66%)
but better than tier avg
ROA Change (YoY): -0.14% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally
→ Stable (143→140 CUs) -3 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)

Comparing against 1024 peers in tier

Top Strengths (5 metrics)

30
Member Growth Rate
growth
Value: 10.49%
Peer Median: -0.03%
#30 of 1024 Top 2.8% in 100M-500M tier
94
First Mortgage Concentration (%)
balance_sheet
Value: 7.99%
Peer Median: 29.92%
#94 of 1024 Top 9.1% in 100M-500M tier
117
Members Per Employee (MPE)
engagement
Value: 448.478
Peer Median: 310.924
#117 of 1024 Top 11.3% in 100M-500M tier
149
Net Interest Margin (NIM)
profitability
Value: 4.34%
Peer Median: 3.67%
#149 of 1024 Top 14.5% in 100M-500M tier
211
Net Worth Ratio
risk
Value: 14.42%
Peer Median: 11.71%
#211 of 1024 Top 20.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1001
AMR Growth Rate
growth
Value: -7.81%
Peer Median: 3.53%
#1001 of 1024 Bottom 2.3% in 100M-500M tier
973
Total Delinquency Rate (60+ days)
risk
Value: 2.22%
Peer Median: 0.71%
#973 of 1024 Bottom 5.1% in 100M-500M tier
960
Indirect Auto Concentration (%)
balance_sheet
Value: 42.82%
Peer Median: 6.15%
#960 of 1024 Bottom 6.3% in 100M-500M tier
915
Net Charge-Off Rate
risk
Value: 0.96%
Peer Median: 0.34%
#915 of 1024 Bottom 10.7% in 100M-500M tier
819
Fee Income Per Member
profitability
Value: $108.57
Peer Median: $159.88
#819 of 1024 Bottom 20.1% in 100M-500M tier
815
Deposit Growth Rate
growth
Value: 0.01%
Peer Median: 3.58%
#815 of 1024 Bottom 20.5% in 100M-500M tier
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