BlastPoint's Credit Union Scorecard
MNCPPC
Charter #18948 · MD
MNCPPC has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 9.53% above tier (higher cost structure)
- - Delinquency rate 5.41% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits +3.3% year over year ($14.8M in shares and deposits).
- Membership: 1,747 members, +1.9% vs a year ago.
- Delinquency rate 6.96%.
- Return on assets 1.45%.
- Efficiency ratio 98.29% vs a 88.77% peer average.
- Loan-to-share ratio 63.22% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,747
+1.9% YoY+3.0% QoQ
|
-838 |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$16.7M
+1.7% YoY+0.9% QoQ
|
$-13.6M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$9.3M
-0.8% YoY+2.1% QoQ
|
$-6.1M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$14.8M
+3.3% YoY+2.1% QoQ
|
$-11.0M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
1.5%
+385.5% YoY-538.5% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
3.8%
+7.7% YoY+17.0% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
98.3%
+12.4% YoY-9.2% QoQ
|
+9.5% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate |
7.0%
+43.7% YoY+38.3% QoQ
|
+5.4 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.9% in tier |
| Loan To Share |
63.2%
-3.9% YoY+0.0% QoQ
|
+4.3% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$13,800
-0.3% YoY-0.9% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
20.7%
+42.3% YoY+3.6% QoQ
|
-3.9% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)