MVP POSTAL AND PRINTING
Charter #8001 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in 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
|
Bottom 15.8% in tier |
| 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
|
Bottom 15.4% in tier |
| 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
|
Bottom 17.3% in tier |
| 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
|
Bottom 17.4% in tier |
| 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
|
Bottom 19.1% in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
190
Member Growth Rate
growth
Value:
4.63%
Peer Avg: 14.92%
#190 of 2596
Top 7.3% in <100M tier
214
Members Per Employee (MPE)
engagement
Value:
587.000
Peer Avg: 365.701
#214 of 2596
Top 8.2% in <100M tier
343
Net Interest Margin (NIM)
profitability
Value:
5.05%
Peer Avg: 3.93%
#343 of 2596
Top 13.2% in <100M tier
Top Weaknesses (14 metrics)
2451
Return on Assets (ROA)
profitability
Value:
-0.98%
Peer Avg: 0.68%
#2451 of 2596
Bottom 5.6% in <100M tier
2374
Total Delinquency Rate (60+ days)
risk
Value:
3.92%
Peer Avg: 1.51%
#2374 of 2596
Bottom 8.6% in <100M tier
2353
Efficiency Ratio
profitability
Value:
103.36%
Peer Avg: 81.39%
#2353 of 2596
Bottom 9.4% in <100M tier
2350
Loan Growth Rate
growth
Value:
-16.41%
Peer Avg: 59.01%
#2350 of 2596
Bottom 9.5% in <100M tier
2288
Net Worth Ratio
risk
Value:
9.35%
Peer Avg: 16.43%
#2288 of 2596
Bottom 11.9% in <100M tier
2286
AMR Growth Rate
growth
Value:
-7.33%
Peer Avg: 4.67%
#2286 of 2596
Bottom 12.0% in <100M tier
2250
Total Loans
balance_sheet
Value:
$1.29M
Peer Avg: $15.77M
#2250 of 2596
Bottom 13.4% in <100M tier
2218
Net Charge-Off Rate
risk
Value:
0.98%
Peer Avg: 0.57%
#2218 of 2596
Bottom 14.6% in <100M tier
2205
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,202
Peer Avg: $5,488
#2205 of 2596
Bottom 15.1% in <100M tier
2197
Total Assets
balance_sheet
Value:
$3.70M
Peer Avg: $29.86M
#2197 of 2596
Bottom 15.4% in <100M tier