BlastPoint's Credit Union Scorecard

MOUNTAINCREST

Charter #68253 · WA

1069 CUs in 100M-500M nationally 16 in WA

MOUNTAINCREST has 7 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 7.2% in tier
+ Organic Growth Engine: Top 12.5% in tier
+ ROA 0.50% above tier average
+ Net Interest Margin 0.71% above tier average
+ Strong member growth: 10.9% YoY
+ Member Growth Rate: Top 3.0% in tier
+ First Mortgage Concentration (%): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 21.7% in tier
- Indirect Auto Dependency: Bottom 40.8% in tier
- Credit Quality Pressure: Bottom 58.8% in tier
- Credit Risk Growth: Bottom 75.8% in tier
- Delinquency rate 0.98% above tier average
- AMR Growth Rate: Bottom 3.6% in tier
- Indirect Auto Concentration (%): Bottom 7.1% in tier
- Total Delinquency Rate (60+ days): Bottom 8.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	10,346 +10.9% YoY-0.9% QoQ	-5.1K	15,437 -2.9% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	33%
Assets	$153.4M +5.4% YoY+0.7% QoQ	$-78.5M	$231.9M +1.3% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	32%
Loans	$96.3M +3.5% YoY+0.4% QoQ	$-51.0M	$147.3M -0.1% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	33%
Deposits	$132.1M +4.9% YoY+0.4% QoQ	$-68.7M	$200.8M +0.8% YoY	$1.1B +9.4% YoY	$477.3M +9.7% 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	1.3% -3.2% YoY+5.3% QoQ	+0.5%	0.8% +18.2% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	83%
NIM	4.3% +1.1% YoY+0.6% QoQ	+0.7%	3.6% +6.7% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	Top 14.1% in tier
Efficiency Ratio	65.4% +1.6% YoY-3.0% QoQ	-11.6%	77.0% -3.1% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	16%
Delinquency Rate	1.9% +9.3% YoY+26.7% QoQ	+1.0	0.9% +4.2% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	Top 8.7% in tier
Loan To Share	72.9% -1.4% YoY+0.0% QoQ	+0.7%	72.2% -1.1% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	49%
AMR	$22,076 -5.9% YoY+1.3% QoQ	$-3K	$24,676 +3.4% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	47%
CD Concentration	23.4% +21.3% YoY+1.9% QoQ	-1.0%	24.4%	22.5%	19.8%	50%
Indirect Auto %	41.7% +3.9% YoY+0.3% QoQ	+27.9%	13.8%	16.8%	7.8%	50%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#14 of 182 • Top 7.2% 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: 1.26%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 10.85%

(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 Engine

growth

#75 of 595 • Top 12.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 10.85%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.26%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 41.65%

(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

Concerns (4)

Shrinking Wallet Share

decline

#46 of 208 • Bottom 21.7% in tier

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

Why This Signature

AMR Growth (YoY): -5.89%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#207 of 506 • Bottom 40.8% in tier

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

Why This Signature

Asset Growth (YoY): 5.43%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 41.65%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 10.85%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#415 of 705 • Bottom 58.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.16% 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 | Rank worsening

Credit Risk Growth

risk

#346 of 456 • Bottom 75.8% in tier

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

Why This Signature

Loan Growth (YoY): 3.49%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.16% 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 (7 metrics)

Member Growth Rate

growth

Value: 10.85%

Peer Median: -

#33 of 1069 Top 3.0% in 100M-500M tier

105

First Mortgage Concentration (%)

balance_sheet

Value: 7.92%

Peer Median: -

#105 of 1069 Top 9.7% in 100M-500M tier

151

Net Interest Margin (NIM)

profitability

Value: 4.32%

Peer Median: -

#151 of 1069 Top 14.0% in 100M-500M tier

154

Members Per Employee (MPE)

engagement

Value: 431.083

Peer Median: -

#154 of 1069 Top 14.3% in 100M-500M tier

169

Efficiency Ratio

profitability

Value: 65.40%

Peer Median: -

#169 of 1069 Top 15.7% in 100M-500M tier

184

Return on Assets (ROA)

profitability

Value: 1.26%

Peer Median: -

#184 of 1069 Top 17.1% in 100M-500M tier

246

Net Worth Ratio

risk

Value: 13.88%

Peer Median: -

#246 of 1069 Top 22.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1031

AMR Growth Rate

growth

Value: -5.89%

Peer Median: -

#1031 of 1069 Bottom 3.6% in 100M-500M tier

994

Indirect Auto Concentration (%)

balance_sheet

Value: 41.65%

Peer Median: -

#994 of 1069 Bottom 7.1% in 100M-500M tier

977

Total Delinquency Rate (60+ days)

risk

Value: 1.87%

Peer Median: -

#977 of 1069 Bottom 8.7% in 100M-500M tier

822

Fee Income Per Member

profitability

Value: $117.36

Peer Median: -

#822 of 1069 Bottom 23.2% in 100M-500M tier