BlastPoint's Credit Union Scorecard
MOUNT VERNON BAPTIST CHURCH
Charter #63595 · NC
2556 CUs in <100M nationally
31 in NC
MOUNT VERNON BAPTIST CHURCH has 10 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.54% above tier average
- + Net Interest Margin 0.48% above tier average
- + Strong member growth: 47.4% 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
- + Member Growth Rate: Top 0.4% in tier
- + Efficiency Ratio: Top 1.0% in tier
- + Net Worth Ratio: Top 3.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 40.30% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - Total Assets: Bottom 0.7% in tier
- - Total Deposits: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 0.9% in tier
- - Total Loans: Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 1.1% in tier
- - Loan-to-Share Ratio: Bottom 1.7% in tier
- - Total Members: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
280
+47.4% YoY+35.9% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Bottom 7.1% in tier |
| Assets |
$144,900
+5.0% YoY+3.2% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.6% in tier |
| Loans |
$7,506
-50.3% YoY-19.2% QoQ
|
$-15.8M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.9% in tier |
| Deposits |
$91,940
+5.4% YoY+3.3% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.7% in tier |
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| ROA |
2.2%
+2464.6% YoY+37.0% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Top 5.4% in tier |
| NIM |
4.4%
+69.7% YoY-2.8% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
34.9%
-63.9% YoY-14.7% QoQ
|
-47.6% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
41.9%
-29.4% YoY+826.1% QoQ
|
+40.3 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Top 0.7% in tier |
| Loan To Share |
8.2%
-52.8% YoY-21.8% QoQ
|
-52.5% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.6% in tier |
| AMR |
$355.2
-34.0% YoY-25.6% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
12
Member Growth Rate
growth
Value:
47.37%
Peer Median: -
#12 of 2556
Top 0.4% in <100M tier
26
Efficiency Ratio
profitability
Value:
34.94%
Peer Median: -
#26 of 2556
Top 1.0% in <100M tier
87
Net Worth Ratio
risk
Value:
36.36%
Peer Median: -
#87 of 2556
Top 3.4% in <100M tier
138
Return on Assets (ROA)
profitability
Value:
2.16%
Peer Median: -
#138 of 2556
Top 5.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
596
Deposit Growth Rate
growth
Value:
5.43%
Peer Median: -
#596 of 2556
Top 23.3% in <100M tier
Top Weaknesses (12 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2550
Average Member Relationship (AMR)
engagement
Value:
$355.16
Peer Median: -
#2550 of 2556
Bottom 0.3% in <100M tier
2541
Loan-to-Member Ratio (LMR)
engagement
Value:
$26.81
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2540
Total Delinquency Rate (60+ days)
risk
Value:
41.86%
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2540
Total Assets
balance_sheet
Value:
$144,900
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2539
Total Deposits
balance_sheet
Value:
$91,940
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2535
AMR Growth Rate
growth
Value:
-34.03%
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2534
Total Loans
balance_sheet
Value:
$7,506
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2528
Loan Growth Rate
growth
Value:
-50.26%
Peer Median: -
#2528 of 2556
Bottom 1.1% in <100M tier
2514
Loan-to-Share Ratio
balance_sheet
Value:
8.16%
Peer Median: -
#2514 of 2556
Bottom 1.7% in <100M tier