BlastPoint's Credit Union Scorecard

MOUNTAINCREST

Charter #68253 · WA

100M-500M

1070 CUs in 100M-500M nationally 17 in WA

MOUNTAINCREST has 5 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
+ Net Interest Margin 0.60% above tier average
+ Strong member growth: 11.0% YoY
+ Member Growth Rate: Top 3.8% in tier
+ First Mortgage Concentration (%): Top 9.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.86% above tier average
- AMR Growth Rate: Bottom 4.2% in tier
- Indirect Auto Concentration (%): Bottom 6.9% in tier
- Total Delinquency Rate (60+ days): Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	10,342 +11.0% YoY-0.0% QoQ	-4.8K	15,145 -2.5% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	34%
Assets	$154.8M +4.2% YoY+1.0% QoQ	$-76.9M	$231.7M +0.8% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	33%
Loans	$97.0M +4.9% YoY+0.7% QoQ	$-47.1M	$144.1M +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	35%
Deposits	$133.5M +3.5% YoY+1.1% QoQ	$-67.6M	$201.1M +0.4% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	32%

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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	0.7% -18.0% YoY-41.4% QoQ	+0.0%	0.7% +5.1% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	54%
NIM	4.2% +1.6% YoY-2.1% QoQ	+0.6%	3.6% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	83%
Efficiency Ratio	74.8% +0.2% YoY+14.4% QoQ	-3.2%	78.0% -1.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	37%
Delinquency Rate	1.6% +18.6% YoY-12.9% QoQ	+0.9	0.8% +7.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	Bottom 8.8% in tier
Loan To Share	72.7% +1.3% YoY-0.3% QoQ	+2.2%	70.4% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	51%
AMR	$22,289 -6.2% YoY+1.0% QoQ	$-3K	$24,918 +2.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	46%
CD Concentration	23.4% +16.9% YoY+0.2% QoQ	-0.8%	24.3%	22.5%	19.8%	50%
Indirect Auto %	42.3% +4.4% YoY+1.6% QoQ	+28.5%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#61 of 157 • 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: 0.74%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 10.99%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#49 of 238 • 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): -6.24%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#276 of 727 • 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): 0.26% points

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

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#224 of 504 • 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): 4.23%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 42.31%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 10.99%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Risk Growth

risk

#217 of 476 • 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): 4.87%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 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 1070 peers in tier

Top Strengths (5 metrics)

Member Growth Rate

growth

Value: 10.99%

Peer Median: -0.06%

#42 of 1070 Top 3.8% in 100M-500M tier

101

First Mortgage Concentration (%)

balance_sheet

Value: 7.73%

Peer Median: 29.47%

#101 of 1070 Top 9.3% in 100M-500M tier

118

Members Per Employee (MPE)

engagement

Value: 449.652

Peer Median: 309.176

#118 of 1070 Top 10.9% in 100M-500M tier

180

Net Interest Margin (NIM)

profitability

Value: 4.23%

Peer Median: 3.62%

#180 of 1070 Top 16.7% in 100M-500M tier

229

Net Worth Ratio

risk

Value: 13.94%

Peer Median: 11.45%

#229 of 1070 Top 21.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1026

AMR Growth Rate

growth

Value: -6.24%

Peer Median: 3.46%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

997

Indirect Auto Concentration (%)

balance_sheet

Value: 42.31%

Peer Median: 6.61%

#997 of 1070 Bottom 6.9% in 100M-500M tier

977

Total Delinquency Rate (60+ days)

risk

Value: 1.63%

Peer Median: 0.61%

#977 of 1070 Bottom 8.8% in 100M-500M tier

859

Net Charge-Off Rate

risk

Value: 0.74%

Peer Median: 0.35%

#859 of 1070 Bottom 19.8% in 100M-500M tier

849

Fee Income Per Member

profitability

Value: $103.16

Peer Median: $154.95

#849 of 1070 Bottom 20.7% in 100M-500M tier