MNCPPC
Charter #18948 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in 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
|
44th in tier |
| 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
|
44th in tier |
| 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
|
49th in tier |
| 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
|
44th in tier |
| 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
|
33rd in tier |
| 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
|
39th in tier |
| 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
|
66th in tier |
| 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
|
55th in tier |
| 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
|
52nd in tier |
| 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
|
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 (5 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
144
Deposit Growth Rate
growth
Value:
12.44%
Peer Avg: 16.80%
#144 of 2596
Top 5.5% in <100M tier
173
Asset Growth Rate
growth
Value:
11.02%
Peer Avg: 1.82%
#173 of 2596
Top 6.6% in <100M tier
223
AMR Growth Rate
growth
Value:
10.59%
Peer Avg: 4.67%
#223 of 2596
Top 8.6% in <100M tier
Top Weaknesses (4 metrics)
2460
Total Delinquency Rate (60+ days)
risk
Value:
5.55%
Peer Avg: 1.51%
#2460 of 2596
Bottom 5.3% in <100M tier
2213
Net Charge-Off Rate
risk
Value:
0.97%
Peer Avg: 0.57%
#2213 of 2596
Bottom 14.8% in <100M tier
2193
Member Growth Rate
growth
Value:
-5.38%
Peer Avg: 14.92%
#2193 of 2596
Bottom 15.6% in <100M tier
1979
Fee Income Per Member
profitability
Value:
$15.73
Peer Avg: $182.96
#1979 of 2596
Bottom 23.8% in <100M tier