BlastPoint's Credit Union Scorecard
MNCPPC
Charter #18948 · MD
MNCPPC has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 8.8% in tier
- + Members Per Employee (MPE): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 17.56% above tier (higher cost structure)
- - Delinquency rate 3.53% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,696
-1.3% YoY0% QoQ
|
-980 |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
45% |
| Assets |
$16.6M
+4.2% YoY+0.9% QoQ
|
$-13.6M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$9.1M
-4.3% YoY+0.1% QoQ
|
$-6.1M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$14.5M
+4.9% YoY+1.0% QoQ
|
$-11.3M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
-0.3%
-54.7% YoY+40.0% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
15% |
| NIM |
3.3%
-1.0% YoY-10.5% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
108.2%
+12.8% YoY+1.6% QoQ
|
+17.6% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate |
5.0%
+7.9% YoY+57.5% QoQ
|
+3.5 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.0% in tier |
| Loan To Share |
63.2%
-8.7% YoY-0.8% QoQ
|
+4.7% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$13,918
+2.5% YoY+0.7% QoQ
|
$-966 |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
20.0%
+15.1% YoY+10.0% QoQ
|
-4.3% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)