BlastPoint's Credit Union Scorecard
MVP POSTAL AND PRINTING
Charter #8001 · MD
MVP POSTAL AND PRINTING has 5 strengths but faces 5 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
- + Member Growth Rate: Top 7.3% in tier
- + Members Per Employee (MPE): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.66% below tier average
- - Efficiency ratio 21.96% above tier (higher cost structure)
- - Delinquency rate 2.41% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.6% in tier
- - Loan Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
587
+4.6% YoY+17.4% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$3.7M
+2.2% YoY+3.1% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
15% |
| Loans |
$1.3M
-16.4% YoY-1.5% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.3% in tier |
| Deposits |
$3.4M
+3.3% YoY+3.8% QoQ
|
$-22.1M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
-1.0%
+1142.9% YoY+10.3% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.6% in tier |
| NIM |
5.1%
-5.5% YoY-0.2% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Top 13.2% in tier |
| Efficiency Ratio |
103.4%
+1.9% YoY-1.5% QoQ
|
+22.0% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Top 9.4% in tier |
| Delinquency Rate |
3.9%
+198.9% YoY-31.3% QoQ
|
+2.4 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Top 8.6% in tier |
| Loan To Share |
38.6%
-19.1% YoY-5.1% QoQ
|
-22.7% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$7,911
-7.3% YoY-12.9% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
20.4%
+2.0% YoY-8.3% QoQ
|
-4.1% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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)