BlastPoint's Credit Union Scorecard
MASTERS, MATES & PILOTS (MM&P)
Charter #12440 · MD
MASTERS, MATES & PILOTS (MM&P) has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 6.8% in tier
- + Member Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 5.2% in tier
- - Deposit Growth Rate: Bottom 5.2% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
615
+3.7% YoY+0.7% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$3.6M
-9.5% YoY+5.4% QoQ
|
$-26.5M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.8% in tier |
| Loans |
$1.3M
-18.4% YoY-3.1% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.5% in tier |
| Deposits |
$3.2M
-11.6% YoY+6.1% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
1.5%
-10.2% YoY-2.8% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.7%
+4.9% YoY-1.5% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
76.4%
+8.0% YoY+0.7% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.0%
-91.2% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
41.8%
-7.7% YoY-8.6% QoQ
|
-18.8% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$7,411
-16.8% YoY+2.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
12.3%
+4.1% YoY+13.9% QoQ
|
-12.1% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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)