BlastPoint's Credit Union Scorecard
MASTERS, MATES & PILOTS (MM&P)
Charter #12440 · MD
MASTERS, MATES & PILOTS (MM&P) has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.2% in tier
- + Member Growth Rate: Top 8.7% in tier
- + Net Charge-Off Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 2.3% in tier
- - AMR Growth Rate: Bottom 2.3% in tier
- - Asset Growth Rate: Bottom 2.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
611
+3.9% YoY+1.0% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$3.4M
-13.5% YoY-6.0% QoQ
|
$-26.4M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.3% in tier |
| Loans |
$1.4M
-15.8% YoY-3.9% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.2% in tier |
| Deposits |
$3.0M
-16.4% YoY-0.2% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
1.5%
-11.9% YoY+8.6% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
3.8%
+3.3% YoY+6.3% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
75.9%
+8.1% YoY+0.4% QoQ
|
-5.5% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.5%
+4.1% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
45.7%
+0.7% YoY-3.8% QoQ
|
-15.5% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$7,230
-19.4% YoY-2.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
10.8%
-14.0% YoY-11.4% QoQ
|
-13.6% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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)