Federal credit union · Linthicum, Maryland · NCUA charter #12440
Masters, Mates & Pilots (Mm&p)
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $3.6M
- Total assets
- 615
- Members
- 11.1%
- Net-worth ratio
Masters, Mates & Pilots (Mm&p) scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.6M; members 615; net-worth ratio 11.14%; health rank #653 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#653 of 4,374 health · 2025Q4Masters, Mates & Pilots · health 93/100 · $3.6M · 2025Q4
Call Report peers
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Masters, Mates & Pilots (Mm&p) vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Masters, Mates & Pilots (Mm&p) sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Masters, Mates & Pilots (Mm&p) vs $2M–$10M peers
- Delinquency Rate leads the peer set - 0.05% here, 1.81% peer average (-1.76 pp).
- Loan-to-Share Ratio trails the peer set - 41.77% here, 63.60% peer average (-21.83 pp).
Masters, Mates & Pilots (Mm&p): in-state Call Report ranks
- Maryland health ordinal: #10 of 62.
- By total assets, Masters, Mates & Pilots (Mm&p) is #58 of 62 in Maryland.
- Maryland membership ordinal: #57 of 62.
- One place up in Maryland, Point Breeze (#9) ties at 93/100; one place down, First Eagle (#11) scores 92/100, 1 point lower.
Masters, Mates & Pilots (Mm&p) Call Report trajectory
Masters, Mates & Pilots (Mm&p): total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.2% from $3.6M (2025Q4) to $3.8M (2026Q1).
- Net-worth ratio shifted +0.02 pp (11.12% → 11.14%).
11.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Masters, Mates & Pilots (Mm&p) gives up 7 points in total. Loan-to-Share Ratio costs the most, 5.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 9.5 pts
Call Report ratios for Masters, Mates & Pilots (Mm&p)
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.14% | -7.92 pp |
| Delinquency Rate | 0.05% | -1.76 pp |
| Return on Assets | 1.79% | +1.34 pp |
| Member Growth | 3.71% | - |
| Loan-to-Share Ratio | 41.77% | -21.83 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Masters, Mates & Pilots filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.8M | - |
| 2025Q4 | $3.6M | 615 |
| 2024Q4 | $4.0M | 593 |
| 2023Q4 | $3.5M | 559 |
Credit Union Details
- Charter Number
- 12440
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Maryland
- City
- Linthicum
- Data Quarter
- 2025Q4
Branch Location
Masters, Mates & Pilots (Mm&p) operates a single office in Linthicum, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Linthicum, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
- MVP POSTAL AND PRINTINGGAITHERSBURG, MD · $2M–$10M55Health
- 1897Salisbury, MD · $2M–$10M78Health
- CHOPTANK ELECTRIC COOP EMPLOYDenton, MD · $2M–$10M73Health
- KOREAN CATHOLICOlney, MD · $2M–$10M65Health
- LOCAL 355 MDBALTIMORE, MD · $2M–$10M38Health
Compare Masters, Mates & Pilots (Mm&p) vs MVP POSTAL AND PRINTING
Cross-state Call Report peers for Masters, Mates & Pilots
Using this data
- Masters, Mates & Pilots (Mm&p) ranks #653 of 4,374 nationally on financial health and #10 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mvp Postal and Printing is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mvp Postal and Printing
Frequently Asked Questions
Is Masters, Mates & Pilots (Mm&p) financially healthy?
Masters, Mates & Pilots (Mm&p) has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #653 of 4,374 nationally on health and #10 of 62 in Maryland. Its net worth ratio is 11.14% and its delinquency rate 0.05%.
How does Masters, Mates & Pilots (Mm&p) compare to other credit unions?
Masters, Mates & Pilots (Mm&p) scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.05% vs 1.81%). Its widest shortfall is loan-to-share ratio (41.77% vs 63.60%).
How can I join Masters, Mates & Pilots (Mm&p)?
Masters, Mates & Pilots (Mm&p) operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Masters, Mates & Pilots (Mm&p) directly for the exact boundaries and application steps.
Is my money safe at Masters, Mates & Pilots (Mm&p)?
Masters, Mates & Pilots (Mm&p) is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Masters, Mates & Pilots (Mm&p)'s net worth ratio of 11.14% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.