Masters, Mates & Pilots (mm&p)

Linthicum, MD · 1 · Charter #12440 · www.creditunion.bridgedeck.o
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.6M
19th percentile
Members
615
21th percentile
Total loans
$1.3M
17th percentile
Total shares
$3.2M
22th percentile

Profitability

Return on assets
1.39%
75th percentile
Net interest margin
3.64%
37th percentile
Efficiency ratio
65.79%
52th percentile
Non-interest income ratio
37.54%
96th percentile

Capital & Risk

Net worth ratio
10.87%
22th percentile
Delinquency rate
0.05%
81th percentile
Net charge-off rate
0.55%
29th percentile
Loan-to-share
41.77%
24th percentile

Growth

Member growth YoY
3.71%
91th percentile
Asset growth YoY
-9.53%
6th percentile
Loan growth YoY
-18.41%
7th percentile
Share growth YoY
-11.61%
6th percentile

Operations

Members / branch
615
28th percentile
Assets / member
$5,890
22th percentile
Field of membership penetration
24.60%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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