BlastPoint's Credit Union Scorecard

MASTERS, MATES & PILOTS (MM&P)

Charter #12440 · MD

<100M
2508 CUs in <100M nationally 27 in MD

MASTERS, MATES & PILOTS (MM&P) has 3 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.89% above tier average
  • + Members Per Employee (MPE): Top 6.6% in tier
  • + Member Growth Rate: Top 8.7% in tier

Key Concerns

Areas that may need attention

  • - AMR Growth Rate: Bottom 3.1% in tier
  • - Asset Growth Rate: Bottom 5.0% in tier
  • - Deposit Growth Rate: Bottom 5.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 624
+4.0% YoY+1.5% QoQ
-2.1K 2,676
+1.6% YoY
35,042
+5.0% YoY
33,913
+5.7% YoY
17%
Assets $3.8M
-9.5% YoY+5.2% QoQ
$-26.4M $30.2M
+1.3% YoY
$654.4M
+9.6% YoY
$578.3M
+9.0% YoY
15%
Loans $1.3M
-13.7% YoY+0.2% QoQ
$-13.9M $15.3M
-2.0% YoY
$458.0M
+7.3% YoY
$402.4M
+8.7% YoY
Bottom 13.8% in tier
Deposits $3.4M
-11.3% YoY+5.5% QoQ
$-22.4M $25.8M
+0.7% YoY
$558.1M
+9.3% YoY
$494.3M
+9.1% YoY
17%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.0%
-16.3% YoY-29.0% QoQ
+0.9% 0.1%
-77.6% YoY
0.5%
+20.2% YoY
0.4%
-39.2% YoY
70%
NIM 3.1%
-9.5% YoY-17.0% QoQ
-0.9% 4.0%
+4.0% YoY
3.4%
+2.6% YoY
3.8%
+4.1% YoY
21%
Efficiency Ratio 80.2%
+4.8% YoY+4.9% QoQ
-10.4% 90.6%
+6.5% YoY
82.5%
-2.2% YoY
84.6%
+2.8% YoY
46%
Delinquency Rate 0.0% -1.5 1.5%
+3.8% YoY
1.2%
+17.1% YoY
1.2%
+3.4% YoY
17%
Loan To Share 39.7%
-2.7% YoY-5.1% QoQ
-18.8% 58.5%
-3.0% YoY
63.5%
+1.0% YoY
65.6%
-1.4% YoY
22%
AMR $7,593
-15.4% YoY+2.4% QoQ
$-7K $14,884
-1.7% YoY
$21,172
+3.9% YoY
$19,920
+1.6% YoY
17%
CD Concentration 12.0%
-20.3% YoY-2.7% QoQ
-12.3% 24.3% 21.1% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.3% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
166
Members Per Employee (MPE)
engagement
Value: 624.000
Peer Median: 333.750
#166 of 2508 Top 6.6% in <100M tier
220
Member Growth Rate
growth
Value: 4.00%
Peer Median: -1.37%
#220 of 2508 Top 8.7% in <100M tier
254
Fee Income Per Member
profitability
Value: $155.58
Peer Median: $60.42
#254 of 2508 Top 10.1% in <100M tier
429
Total Delinquency Rate (60+ days)
risk
Value: 0.05%
Peer Median: 0.65%
#429 of 2508 Top 17.1% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (12 metrics)

2430
AMR Growth Rate
growth
Value: -15.42%
Peer Median: 1.27%
#2430 of 2508 Bottom 3.1% in <100M tier
2383
Asset Growth Rate
growth
Value: -9.51%
Peer Median: 1.30%
#2383 of 2508 Bottom 5.0% in <100M tier
2375
Deposit Growth Rate
growth
Value: -11.34%
Peer Median: 0.66%
#2375 of 2508 Bottom 5.3% in <100M tier
2169
Loan Growth Rate
growth
Value: -13.74%
Peer Median: -2.36%
#2169 of 2508 Bottom 13.6% in <100M tier
2162
Total Loans
balance_sheet
Value: $1.35M
Peer Median: $9.48M
#2162 of 2508 Bottom 13.8% in <100M tier
2125
Total Assets
balance_sheet
Value: $3.81M
Peer Median: $21.86M
#2125 of 2508 Bottom 15.3% in <100M tier
2124
Loan-to-Member Ratio (LMR)
engagement
Value: $2,156
Peer Median: $4,923
#2124 of 2508 Bottom 15.4% in <100M tier
2082
Total Deposits
balance_sheet
Value: $3.39M
Peer Median: $18.77M
#2082 of 2508 Bottom 17.0% in <100M tier
2079
Total Members
engagement
Value: 624
Peer Median: 1,918
#2079 of 2508 Bottom 17.1% in <100M tier
2077
Average Member Relationship (AMR)
engagement
Value: $7,593
Peer Median: $13,926
#2077 of 2508 Bottom 17.2% in <100M tier
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