Masters, Mates & Pilots (MM&P)
Linthicum, MD · Charter 12440 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$4.0MAssets
$1.4MLoans
$3.5MShares
$408KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: net interest margin trails 87% of credit unions under $1B in assets (rank 1466 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.76%
Rank 822 of 1,683
Net Interest Margin
2.97%
Rank 1,466 of 1,683
Efficiency Ratio
84.26%
Rank 1,156 of 1,682
Equity / Assets
10.27%
Rank 1,291 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.35% | 0.74% | 1.18% | Beats 51% | 822 / 1,683 | |
| Return on Equity | 7.35% | 2.67% | 5.89% | 8.74% | Beats 64% | 603 / 1,681 | |
| Net Interest Margin | 2.97% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,466 / 1,683 | |
| Efficiency Ratio | 84.26% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,156 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,291 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,291 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 38.58% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,516 / 1,683 | |
| Loans / Assets | 34.41% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,480 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |