BlastPoint's Credit Union Scorecard
MNCPPC
Charter #18948 · MD
MNCPPC has 3 strengths but faces 4 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
- + Members Per Employee (MPE): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 23.94% above tier (higher cost structure)
- - Delinquency rate 1.64% above tier average
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,696
-2.1% YoY+0.5% QoQ
|
-919 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$16.4M
+3.6% YoY-0.3% QoQ
|
$-13.7M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$9.1M
-6.3% YoY-2.1% QoQ
|
$-6.6M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$14.3M
+4.4% YoY+0.0% QoQ
|
$-11.4M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
-0.2%
-143.5% YoY-154.5% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.9% in tier |
| NIM |
3.6%
-10.5% YoY+0.0% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
106.5%
+20.8% YoY+26.0% QoQ
|
+23.9% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Top 7.5% in tier |
| Delinquency Rate |
3.2%
+73.5% YoY-42.4% QoQ
|
+1.6 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Top 12.0% in tier |
| Loan To Share |
63.7%
-10.2% YoY-2.1% QoQ
|
+3.1% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$13,828
+2.1% YoY-1.3% QoQ
|
$-955 |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
18.1%
+9.2% YoY+2.6% QoQ
|
-6.3% | 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)