BlastPoint's Credit Union Scorecard

EAGLE EXPRESS

Charter #48 · MS

2556 CUs in <100M nationally 41 in MS

EAGLE EXPRESS has 2 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.39% below tier average
  • - Member decline: -2.6% YoY

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 3,944
-2.6% YoY-0.4% QoQ
+1.3K 2,615
-1.9% YoY
14,672
+15.4% YoY
33,374
+5.7% YoY
78%
Assets $65.2M
+2.0% YoY+1.5% QoQ
+$35.0M $30.1M
+2.1% YoY
$175.8M
+23.7% YoY
$561.6M
+9.7% YoY
Top 14.6% in tier
Loans $22.9M
-0.3% YoY+0.7% QoQ
+$7.1M $15.8M
-1.3% YoY
$116.9M
+20.6% YoY
$397.0M
+8.8% YoY
74%
Deposits $52.0M
+1.5% YoY+1.9% QoQ
+$26.4M $25.7M
+1.4% YoY
$139.2M
+23.5% YoY
$477.3M
+9.7% YoY
83%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.2%
-12.8% YoY+100.3% QoQ
-0.4% 0.6%
+10.8% YoY
0.8%
+172.9% YoY
0.7%
+15.9% YoY
27%
NIM 3.4%
+8.2% YoY+0.2% QoQ
-0.5% 4.0%
+4.0% YoY
4.4%
+3.3% YoY
3.8%
+5.1% YoY
33%
Efficiency Ratio 81.7%
-5.0% YoY-1.1% QoQ
-0.9% 82.6%
-2.3% YoY
79.5%
-8.9% YoY
79.7%
-3.3% YoY
55%
Delinquency Rate 1.1%
-30.1% YoY-21.2% QoQ
-0.5 1.6%
-3.1% YoY
2.7%
-0.7% YoY
1.3%
-2.1% YoY
62%
Loan To Share 43.9%
-1.8% YoY-1.1% QoQ
-16.7% 60.6%
-3.1% YoY
68.0%
-1.8% YoY
67.4%
-1.7% YoY
24%
AMR $18,993
+3.6% YoY+1.9% QoQ
+$4K $14,783
-1.4% YoY
$12,283
+3.8% YoY
$19,687
+2.0% YoY
75%
CD Concentration 23.1%
+8.5% YoY-0.4% QoQ
-1.4% 24.4% 19.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.5% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2556 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
166
Fee Income Per Member
profitability
Value: $203.63
Peer Median: -
#166 of 2556 Top 6.5% in <100M tier
374
Total Assets
balance_sheet
Value: $65.18M
Peer Median: -
#374 of 2556 Top 14.6% in <100M tier
434
Total Deposits
balance_sheet
Value: $52.04M
Peer Median: -
#434 of 2556 Top 16.9% in <100M tier
506
Net Worth Ratio
risk
Value: 20.86%
Peer Median: -
#506 of 2556 Top 19.8% in <100M tier
552
Total Members
engagement
Value: 3,944
Peer Median: -
#552 of 2556 Top 21.6% in <100M tier

Top Weaknesses (2 metrics)

2289
Net Charge-Off Rate
risk
Value: 1.37%
Peer Median: -
#2289 of 2556 Bottom 10.5% in <100M tier
1929
Loan-to-Share Ratio
balance_sheet
Value: 43.93%
Peer Median: -
#1929 of 2556 Bottom 24.6% in <100M tier
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