BlastPoint's Credit Union Scorecard
MOUNT VERNON BAPTIST CHURCH
Charter #63595 · NC
<100M
2508 CUs in <100M nationally
31 in NC
MOUNT VERNON BAPTIST CHURCH has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Net Interest Margin 0.62% above tier average
- + Strong member growth: 37.9% YoY
- + Member Growth Rate: Top 0.8% in tier
- + Net Worth Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.57% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.3% in tier
- - Total Assets: Bottom 0.7% in tier
- - Total Deposits: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.8% in tier
- - Total Loans: Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 1.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
280
+37.9% YoY0% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Bottom 7.3% in tier |
| Assets |
$146,866
+6.2% YoY+1.4% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.6% in tier |
| Loans |
$8,742
-15.0% YoY+16.5% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.0% in tier |
| Deposits |
$93,527
+5.4% YoY+1.7% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
-305.7% YoY-43.9% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
4.6%
-3.0% YoY+4.5% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
75.7%
+119.0% YoY+116.5% QoQ
|
-15.0% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
3.1%
-91.1% YoY-92.6% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.0% in tier |
| Loan To Share |
9.3%
-19.4% YoY+14.5% QoQ
|
-49.2% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.8% in tier |
| AMR |
$365.2
-25.1% YoY+2.8% QoQ
|
$-15K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
22
Member Growth Rate
growth
Value:
37.93%
Peer Median: -1.37%
#22 of 2508
Top 0.8% in <100M tier
86
Net Worth Ratio
risk
Value:
36.18%
Peer Median: 14.28%
#86 of 2508
Top 3.4% in <100M tier
462
Asset Growth Rate
growth
Value:
6.20%
Peer Median: 1.30%
#462 of 2508
Top 18.4% in <100M tier
488
Net Interest Margin (NIM)
profitability
Value:
4.63%
Peer Median: 3.83%
#488 of 2508
Top 19.4% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
546
Deposit Growth Rate
growth
Value:
5.45%
Peer Median: 0.66%
#546 of 2508
Top 21.7% in <100M tier
579
Return on Assets (ROA)
profitability
Value:
1.21%
Peer Median: 0.61%
#579 of 2508
Top 23.0% in <100M tier
Top Weaknesses (12 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2502
Average Member Relationship (AMR)
engagement
Value:
$365.25
Peer Median: $13,926
#2502 of 2508
Bottom 0.3% in <100M tier
2492
Total Assets
balance_sheet
Value:
$146,866
Peer Median: $21.86M
#2492 of 2508
Bottom 0.7% in <100M tier
2492
Total Deposits
balance_sheet
Value:
$93,527
Peer Median: $18.77M
#2492 of 2508
Bottom 0.7% in <100M tier
2490
Loan-to-Member Ratio (LMR)
engagement
Value:
$31.22
Peer Median: $4,923
#2490 of 2508
Bottom 0.8% in <100M tier
2484
Total Loans
balance_sheet
Value:
$8,742
Peer Median: $9.48M
#2484 of 2508
Bottom 1.0% in <100M tier
2477
AMR Growth Rate
growth
Value:
-25.09%
Peer Median: 1.27%
#2477 of 2508
Bottom 1.3% in <100M tier
2461
Loan-to-Share Ratio
balance_sheet
Value:
9.35%
Peer Median: 58.72%
#2461 of 2508
Bottom 1.9% in <100M tier
2324
Total Members
engagement
Value:
280
Peer Median: 1,918
#2324 of 2508
Bottom 7.4% in <100M tier
2256
Fee Income Per Member
profitability
Value:
$1.89
Peer Median: $60.42
#2256 of 2508
Bottom 10.1% in <100M tier