BlastPoint's Credit Union Scorecard
MVP POSTAL AND PRINTING
Charter #8001 · MD
MVP POSTAL AND PRINTING has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.92% above tier average
- + Strong member growth: 26.6% YoY
- + Member Growth Rate: Top 1.6% in tier
- + Net Charge-Off Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 30.81% above tier (higher cost structure)
- - Delinquency rate 2.36% above tier average
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - AMR Growth Rate: Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 8.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% 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 25 that size in Maryland.
- Shares and deposits +2.8% year over year ($3.3M in shares and deposits).
- Membership: 633 members, +26.6% vs a year ago.
- Delinquency rate 3.90%.
- Return on assets 0.98%.
- Efficiency ratio 119.58% vs a 88.77% peer average.
- Loan-to-share ratio 32.20% 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 (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
633
+26.6% YoY+36.4% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$3.7M
+2.2% YoY-1.6% QoQ
|
$-26.6M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.5% in tier |
| Loans |
$1.1M
-18.6% YoY-9.4% QoQ
|
$-14.4M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.9% in tier |
| Deposits |
$3.3M
+2.8% YoY-1.4% QoQ
|
$-22.5M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
1.0%
-209.9% YoY-225.0% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
4.8%
-4.8% YoY+0.9% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Top 14.8% in tier |
| Efficiency Ratio |
119.6%
+14.0% YoY+3.7% QoQ
|
+30.8% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate |
3.9%
-31.6% YoY+190.6% QoQ
|
+2.4 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
32.2%
-20.8% YoY-8.0% QoQ
|
-26.7% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.4% in tier |
| AMR |
$6,930
-23.7% YoY-29.3% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.4% in tier |
| CD Concentration |
18.7%
-15.6% YoY-7.8% QoQ
|
-5.8% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)