BlastPoint's Credit Union Scorecard
MVP POSTAL AND PRINTING
Charter #8001 · MD
MVP POSTAL AND PRINTING has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
- + AMR Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Efficiency ratio 24.73% above tier (higher cost structure)
- - Member decline: -10.8% YoY
- - Member Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
464
-10.8% YoY-19.2% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
Bottom 12.4% in tier |
| Assets |
$3.7M
+3.1% YoY+2.2% QoQ
|
$-26.5M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$1.2M
-15.2% YoY-0.5% QoQ
|
$-14.1M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.8% in tier |
| Deposits |
$3.4M
+3.9% YoY+1.3% QoQ
|
$-22.4M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
-0.8%
+538.8% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.8% in tier |
| NIM |
4.8%
-7.6% YoY-5.8% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
115.4%
+12.7% YoY+12.5% QoQ
|
+24.7% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.0% in tier |
| Delinquency Rate |
1.3%
-29.6% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
35.0%
-18.4% YoY-1.8% QoQ
|
-23.5% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$9,797
+10.0% YoY+24.7% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration |
20.3%
-0.3% YoY+2.3% QoQ
|
-4.0% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 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)