BlastPoint's Credit Union Scorecard
MOUNT PLEASANT BAPTIST CHURCH
Charter #24640 · VA
2596 CUs in <100M nationally
49 in VA
MOUNT PLEASANT BAPTIST CHURCH has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.36% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.9% in tier
- + Loan Growth Rate: Top 1.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Loans: Bottom 1.7% in tier
- - Loan-to-Share Ratio: Bottom 1.9% in tier
- - Total Assets: Bottom 2.0% in tier
- - Total Members: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- - Total Deposits: Bottom 2.2% in tier
- - Average Member Relationship (AMR): Bottom 4.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
120
-0.8% YoY-0.8% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 2.0% in tier |
| Assets |
$337,764
+7.3% YoY-1.0% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.0% in tier |
| Loans |
$27,605
+31.7% YoY-11.4% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.6% in tier |
| Deposits |
$279,272
+4.9% YoY-1.4% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.2% in tier |
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| ROA |
3.0%
-19.2% YoY-15.5% QoQ
|
+2.4% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Top 2.1% in tier |
| NIM |
3.5%
-3.6% YoY+0.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
29.1%
+4.0% YoY+30.8% QoQ
|
-52.3% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
9.9%
+25.5% YoY-10.2% QoQ
|
-51.3% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.7% in tier |
| AMR |
$2,557
+7.8% YoY-1.5% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
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 (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
25
Efficiency Ratio
profitability
Value:
29.06%
Peer Avg: -
#25 of 2596
Top 0.9% in <100M tier
31
Loan Growth Rate
growth
Value:
31.73%
Peer Avg: -
#31 of 2596
Top 1.2% in <100M tier
54
Return on Assets (ROA)
profitability
Value:
3.04%
Peer Avg: -
#54 of 2596
Top 2.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
380
AMR Growth Rate
growth
Value:
7.79%
Peer Avg: -
#380 of 2596
Top 14.6% in <100M tier
392
Asset Growth Rate
growth
Value:
7.34%
Peer Avg: -
#392 of 2596
Top 15.1% in <100M tier
Top Weaknesses (8 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2554
Total Loans
balance_sheet
Value:
$27,605
Peer Avg: -
#2554 of 2596
Bottom 1.7% in <100M tier
2548
Loan-to-Share Ratio
balance_sheet
Value:
9.88%
Peer Avg: -
#2548 of 2596
Bottom 1.9% in <100M tier
2545
Total Assets
balance_sheet
Value:
$337,764
Peer Avg: -
#2545 of 2596
Bottom 2.0% in <100M tier
2544
Total Members
engagement
Value:
120
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2543
Loan-to-Member Ratio (LMR)
engagement
Value:
$230.04
Peer Avg: -
#2543 of 2596
Bottom 2.1% in <100M tier
2539
Total Deposits
balance_sheet
Value:
$279,272
Peer Avg: -
#2539 of 2596
Bottom 2.2% in <100M tier
2494
Average Member Relationship (AMR)
engagement
Value:
$2,557
Peer Avg: -
#2494 of 2596
Bottom 4.0% in <100M tier