BlastPoint's Credit Union Scorecard
MNCPPC
Charter #18948 · MD
MNCPPC has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 5.5% in tier
- + Asset Growth Rate: Top 6.6% in tier
- + AMR Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 3.13% above tier (higher cost structure)
- - Delinquency rate 4.04% above tier average
- - Member decline: -5.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,687
-5.4% YoY-1.6% QoQ
|
-938 |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$16.5M
+11.0% YoY+0.3% QoQ
|
$-13.4M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$9.3M
-5.4% YoY-0.9% QoQ
|
$-6.4M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$14.3M
+12.4% YoY+0.1% QoQ
|
$-11.1M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
0.4%
-33.7% YoY+45.0% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
3.6%
-15.2% YoY+2.9% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
84.5%
+1.6% YoY-3.4% QoQ
|
+3.1% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
5.5%
+520.4% YoY+14.6% QoQ
|
+4.0 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Top 5.3% in tier |
| Loan To Share |
65.1%
-15.9% YoY-1.0% QoQ
|
+3.9% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$14,014
+10.6% YoY+1.3% QoQ
|
$-613 |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
17.7%
+98.7% YoY+21.6% QoQ
|
-6.7% |
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)