MASTERS, MATES & PILOTS (MM&P)
Charter #12440 · Linthicum, MD · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.07% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.05% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 21st — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MASTERS, MATES & PILOTS (MM&P) | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.81M | 49th pct | 21th pct |
| Members | 624 | 53th pct | 36th pct |
| Net worth ratio | 11.14% | 18th pct | 38th pct |
| Return on average assets | 1.07% | 74th pct | 75th pct |
| Net interest margin | 3.18% | 24th pct | 33th pct |
| Cost of funds | 0.99% | 66th pct | 59th pct |
| Loan-to-share | 39.66% | 29th pct | 39th pct |
| Delinquency 60+ days | 0.05% | 29th pct | 23th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -2.93% | 61th pct | 57th pct |
| Share growth YoY | 11.90% | 96th pct | 95th pct |
| Efficiency ratio | 80.21% | 40th pct | 36th pct |
structural peer set hash: 89fdee8e8670d6a7334a81511656d100… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.