BlastPoint's Credit Union Scorecard
PINE BELT
Charter #4799 · MS
PINE BELT has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.80% above tier average
- + Loan-to-Share Ratio: Top 4.5% in tier
- + Net Worth Ratio: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 12.57% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,569
+1.9% YoY-0.6% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$13.2M
+3.7% YoY+2.2% QoQ
|
$-16.9M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$9.3M
+10.3% YoY+1.7% QoQ
|
$-6.5M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$9.4M
+5.1% YoY+3.6% QoQ
|
$-16.3M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.1%
-83.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
4.8%
-0.3% YoY+2.4% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
95.1%
-3.9% YoY+7.3% QoQ
|
+12.6% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.9%
+81.8% YoY+233.5% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
98.8%
+5.0% YoY-1.8% QoQ
|
+38.1% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 4.7% in tier |
| AMR |
$11,937
+5.6% YoY+3.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
32.2%
-8.3% YoY-1.9% QoQ
|
+7.8% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)