BlastPoint's Credit Union Scorecard
MOUNT VERNON BAPTIST CHURCH
Charter #63595 · NC
MOUNT VERNON BAPTIST CHURCH has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 0.47% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 2.8% in tier
- + Asset Growth Rate: Top 6.9% in tier
- + Efficiency Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Average Member Relationship (AMR): Bottom 0.3% in tier
- - Total Deposits: Bottom 0.6% in tier
- - Total Assets: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Total Loans: Bottom 0.8% in tier
- - Loan-to-Share Ratio: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 2.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits +6.2% year over year ($95K in shares and deposits).
- Membership: 209 members, +1.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 2.19%.
- Efficiency ratio 54.37% vs a 88.77% peer average.
- Loan-to-share ratio 7.07% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
209
+1.5% YoY-25.4% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Bottom 5.0% in tier |
| Assets |
$152,604
+10.0% YoY+3.9% QoQ
|
$-30.1M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.6% in tier |
| Loans |
$6,702
-32.4% YoY-23.3% QoQ
|
$-15.5M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.7% in tier |
| Deposits |
$94,843
+6.2% YoY+1.4% QoQ
|
$-25.7M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.5% in tier |
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| ROA |
2.2%
-559.7% YoY+80.3% QoQ
|
+0.7% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
Top 7.6% in tier |
| NIM |
4.4%
+2.4% YoY-5.6% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
54.4%
-17.1% YoY-28.1% QoQ
|
-34.4% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 7.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
7.1%
-36.4% YoY-24.4% QoQ
|
-51.8% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.4% in tier |
| AMR |
$485.9
+0.9% YoY+33.0% QoQ
|
$-14K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.3% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 7.7% | 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)