MASTERS, MATES & PILOTS (MM&P)
Charter #12440 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in 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
|
Bottom 16.7% in tier |
| 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
|
Bottom 15.9% in tier |
| 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
|
Top 20.0% in tier |
| 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
|
46th in tier |
| 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
|
44th in tier |
| Delinquency Rate |
0.5%
+4.1% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
44th in tier |
| 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
|
26th in tier |
| 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
|
Bottom 15.9% in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
188
Members Per Employee (MPE)
engagement
Value:
611.000
Peer Avg: 365.701
#188 of 2596
Top 7.2% in <100M tier
228
Member Growth Rate
growth
Value:
3.91%
Peer Avg: 14.92%
#228 of 2596
Top 8.7% in <100M tier
233
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Avg: 0.57%
#233 of 2596
Top 8.9% in <100M tier
276
Fee Income Per Member
profitability
Value:
$167.02
Peer Avg: $182.96
#276 of 2596
Top 10.6% in <100M tier
520
Return on Assets (ROA)
profitability
Value:
1.51%
Peer Avg: 0.68%
#520 of 2596
Top 20.0% in <100M tier
Top Weaknesses (10 metrics)
2538
Deposit Growth Rate
growth
Value:
-16.39%
Peer Avg: 16.80%
#2538 of 2596
Bottom 2.3% in <100M tier
2536
AMR Growth Rate
growth
Value:
-19.38%
Peer Avg: 4.67%
#2536 of 2596
Bottom 2.3% in <100M tier
2533
Asset Growth Rate
growth
Value:
-13.47%
Peer Avg: 1.82%
#2533 of 2596
Bottom 2.5% in <100M tier
2326
Loan Growth Rate
growth
Value:
-15.85%
Peer Avg: 59.01%
#2326 of 2596
Bottom 10.4% in <100M tier
2228
Total Loans
balance_sheet
Value:
$1.39M
Peer Avg: $15.77M
#2228 of 2596
Bottom 14.2% in <100M tier
2225
Total Assets
balance_sheet
Value:
$3.44M
Peer Avg: $29.86M
#2225 of 2596
Bottom 14.3% in <100M tier
2185
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,269
Peer Avg: $5,488
#2185 of 2596
Bottom 15.9% in <100M tier
2184
Total Deposits
balance_sheet
Value:
$3.03M
Peer Avg: $25.45M
#2184 of 2596
Bottom 15.9% in <100M tier
2182
Average Member Relationship (AMR)
engagement
Value:
$7,230
Peer Avg: $14,627
#2182 of 2596
Bottom 16.0% in <100M tier
2163
Total Members
engagement
Value:
611
Peer Avg: 2,626
#2163 of 2596
Bottom 16.7% in <100M tier