BlastPoint's Credit Union Scorecard
MVP POSTAL AND PRINTING
Charter #8001 · MD
MVP POSTAL AND PRINTING has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.8% in tier
- + Net Charge-Off Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 19.95% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Member decline: -21.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Member Growth Rate: Bottom 1.7% in tier
- - Loan Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
574
-21.4% YoY-2.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$3.6M
+1.8% YoY-1.5% QoQ
|
$-26.5M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.9% in tier |
| Loans |
$1.2M
-18.2% YoY-8.3% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.4% in tier |
| Deposits |
$3.3M
+3.9% YoY-0.8% QoQ
|
$-22.4M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
-0.1%
-28.2% YoY-87.5% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.7% in tier |
| NIM |
5.1%
-5.5% YoY+0.4% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 13.0% in tier |
| Efficiency Ratio |
102.5%
-1.5% YoY-0.8% QoQ
|
+20.0% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.5% in tier |
| Delinquency Rate |
1.9%
+36.9% YoY-51.3% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
35.7%
-21.2% YoY-7.6% QoQ
|
-25.0% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$7,854
+23.4% YoY-0.7% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
19.9%
-2.4% YoY-2.4% QoQ
|
-4.6% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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)