BlastPoint's Credit Union Scorecard
MASTERS, MATES & PILOTS (MM&P)
Charter #12440 · MD
MASTERS, MATES & PILOTS (MM&P) has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Deposit Growth Rate: Top 2.7% in tier
- + Members Per Employee (MPE): Top 6.6% in tier
- + Asset Growth Rate: Top 9.6% in tier
- + Member Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits +16.7% year over year ($3.5M in shares and deposits).
- Membership: 626 members, +3.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.76%.
- Efficiency ratio 84.90% vs a 88.77% peer average.
- Loan-to-share ratio 38.57% vs a 58.89% 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 (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
626
+3.5% YoY+0.3% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$4.0M
+8.6% YoY+4.3% QoQ
|
$-26.3M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$1.4M
-5.3% YoY+1.6% QoQ
|
$-14.1M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.8% in tier |
| Deposits |
$3.5M
+16.7% YoY+4.5% QoQ
|
$-22.3M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
0.8%
-45.4% YoY-27.1% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
3.0%
-15.6% YoY-2.9% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
84.9%
+12.3% YoY+5.8% QoQ
|
-3.9% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
38.6%
-18.8% YoY-2.8% QoQ
|
-20.3% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$7,843
+5.9% YoY+3.3% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
17.3%
+41.5% YoY+44.0% QoQ
|
-7.3% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)