BlastPoint's Credit Union Scorecard
MOUNT VERNON BAPTIST CHURCH
Charter #63595 · NC
2596 CUs in <100M nationally
32 in NC
MOUNT VERNON BAPTIST CHURCH has 9 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Net Interest Margin 0.63% above tier average
- + Strong member growth: 13.8% YoY
- + 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 2.3% in tier
- + Member Growth Rate: Top 2.6% in tier
- + Net Worth Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.01% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.4% in tier
- - Average Member Relationship (AMR): Bottom 0.5% in tier
- - Total Assets: Bottom 0.6% in tier
- - Total Deposits: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
- - Total Loans: Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 2.1% in tier
- - AMR Growth Rate: Bottom 3.7% in tier
- - Total Members: Bottom 5.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
206
+13.8% YoY0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Bottom 4.9% in tier |
| Assets |
$140,348
+2.5% YoY+1.2% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.6% in tier |
| Loans |
$9,292
-43.9% YoY-6.3% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.1% in tier |
| Deposits |
$89,040
+4.6% YoY-0.3% QoQ
|
$-25.4M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.7% in tier |
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| ROA |
1.6%
+74.2% YoY-431.5% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
4.6%
+43.7% YoY+6.9% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
41.0%
-42.8% YoY-37.5% QoQ
|
-40.4% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.3% in tier |
| Delinquency Rate |
4.5%
-9.0% YoY+19.5% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 7.0% in tier |
| Loan To Share |
10.4%
-46.4% YoY-6.0% QoQ
|
-50.8% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.9% in tier |
| AMR |
$477.3
-15.0% YoY-0.9% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% 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 (7 metrics)
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
61
Efficiency Ratio
profitability
Value:
40.96%
Peer Avg: -
#61 of 2596
Top 2.3% in <100M tier
69
Member Growth Rate
growth
Value:
13.81%
Peer Avg: -
#69 of 2596
Top 2.6% in <100M tier
86
Net Worth Ratio
risk
Value:
36.32%
Peer Avg: -
#86 of 2596
Top 3.3% in <100M tier
473
Return on Assets (ROA)
profitability
Value:
1.58%
Peer Avg: -
#473 of 2596
Top 18.2% in <100M tier
Top Weaknesses (13 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2587
Net Charge-Off Rate
risk
Value:
35.10%
Peer Avg: -
#2587 of 2596
Bottom 0.4% in <100M tier
2585
Average Member Relationship (AMR)
engagement
Value:
$477.34
Peer Avg: -
#2585 of 2596
Bottom 0.5% in <100M tier
2581
Total Assets
balance_sheet
Value:
$140,348
Peer Avg: -
#2581 of 2596
Bottom 0.6% in <100M tier
2579
Total Deposits
balance_sheet
Value:
$89,040
Peer Avg: -
#2579 of 2596
Bottom 0.7% in <100M tier
2573
Loan-to-Member Ratio (LMR)
engagement
Value:
$45.11
Peer Avg: -
#2573 of 2596
Bottom 0.9% in <100M tier
2567
Total Loans
balance_sheet
Value:
$9,292
Peer Avg: -
#2567 of 2596
Bottom 1.2% in <100M tier
2558
Loan Growth Rate
growth
Value:
-43.87%
Peer Avg: -
#2558 of 2596
Bottom 1.5% in <100M tier
2543
Loan-to-Share Ratio
balance_sheet
Value:
10.44%
Peer Avg: -
#2543 of 2596
Bottom 2.1% in <100M tier
2500
AMR Growth Rate
growth
Value:
-15.00%
Peer Avg: -
#2500 of 2596
Bottom 3.7% in <100M tier