BlastPoint's Credit Union Scorecard
MOUNT PLEASANT BAPTIST CHURCH
Charter #24640 · VA
<100M
2556 CUs in <100M nationally
48 in VA
MOUNT PLEASANT BAPTIST CHURCH has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.77% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Efficiency Ratio: Top 1.3% in tier
- + Loan Growth Rate: Top 1.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + AMR Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Loans: Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.7% in tier
- - Total Assets: Bottom 1.8% in tier
- - Total Members: Bottom 1.9% in tier
- - Total Deposits: Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
117
-2.5% YoY-2.5% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 1.9% in tier |
| Assets |
$341,739
+7.5% YoY+1.2% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.8% in tier |
| Loans |
$22,171
+28.7% YoY-19.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.3% in tier |
| Deposits |
$282,891
+6.4% YoY+1.3% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.1% in tier |
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| ROA |
2.4%
-38.4% YoY-21.6% QoQ
|
+1.8% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Top 3.2% in tier |
| NIM |
3.2%
-6.2% YoY-7.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
38.0%
+45.1% YoY+30.9% QoQ
|
-44.5% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 1.3% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
7.8%
+21.0% YoY-20.7% QoQ
|
-52.8% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.5% in tier |
| AMR |
$2,607
+10.5% YoY+2.0% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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 Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
35
Efficiency Ratio
profitability
Value:
38.04%
Peer Median: -
#35 of 2556
Top 1.3% in <100M tier
45
Loan Growth Rate
growth
Value:
28.73%
Peer Median: -
#45 of 2556
Top 1.7% in <100M tier
82
Return on Assets (ROA)
profitability
Value:
2.39%
Peer Median: -
#82 of 2556
Top 3.2% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
240
AMR Growth Rate
growth
Value:
10.51%
Peer Median: -
#240 of 2556
Top 9.4% in <100M tier
379
Asset Growth Rate
growth
Value:
7.53%
Peer Median: -
#379 of 2556
Top 14.8% in <100M tier
Top Weaknesses (9 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.1% in <100M tier
2522
Total Loans
balance_sheet
Value:
$22,171
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2516
Loan-to-Share Ratio
balance_sheet
Value:
7.84%
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2513
Loan-to-Member Ratio (LMR)
engagement
Value:
$189.50
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2510
Total Assets
balance_sheet
Value:
$341,739
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier
2508
Total Members
engagement
Value:
117
Peer Median: -
#2508 of 2556
Bottom 1.9% in <100M tier
2502
Total Deposits
balance_sheet
Value:
$282,891
Peer Median: -
#2502 of 2556
Bottom 2.2% in <100M tier
2460
Average Member Relationship (AMR)
engagement
Value:
$2,607
Peer Median: -
#2460 of 2556
Bottom 3.8% in <100M tier
1935
Fee Income Per Member
profitability
Value:
$17.80
Peer Median: -
#1935 of 2556
Bottom 24.3% in <100M tier