MNCPPC
Charter #18948 · College Park, MD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.33% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.27% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 5.03% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.12% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 108.19% sits at the 89th percentile of structural peers — worth a closer look.
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 | MNCPPC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.58M | 26th pct | 48th pct |
| Members | 1,696 | 32th pct | 48th pct |
| Net worth ratio | 12.08% | 37th pct | 30th pct |
| Return on average assets | -0.33% | 12th pct | 18th pct |
| Net interest margin | 3.27% | 25th pct | 23th pct |
| Cost of funds | 1.16% | 65th pct | 62th pct |
| Loan-to-share | 63.21% | 59th pct | 46th pct |
| Delinquency 60+ days | 5.03% | 98th pct | 95th pct |
| Net charge-off ratio | -0.12% | 8th pct | 8th pct |
| Loan growth YoY | -1.96% | 54th pct | 66th pct |
| Share growth YoY | 1.02% | 36th pct | 48th pct |
| Efficiency ratio | 108.19% | 93th pct | 89th pct |
structural peer set hash: 82247f39ebb72c6c1ec9942bffcacb21… (reproducible)
Closest structural peers
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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.