BlastPoint's Credit Union Scorecard

MIDSOUTH COMMUNITY

Charter #1410 · GA

100M-500M

1070 CUs in 100M-500M nationally 18 in GA

MIDSOUTH COMMUNITY has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.36% above tier average
+ Total Members: Top 0.7% in tier
+ Total Assets: Top 1.9% in tier
+ Total Deposits: Top 2.2% in tier
+ Total Loans: Top 3.5% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Delinquency rate 0.12% above tier average
- Net Charge-Off Rate: Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	43,724 +1.3% YoY+0.4% QoQ	+28.6K	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	Top 0.8% in tier
Assets	$481.0M +2.4% YoY+1.1% QoQ	+$249.3M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	Top 2.0% in tier
Loans	$324.0M -0.1% YoY-1.1% QoQ	+$179.9M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	Top 3.6% in tier
Deposits	$414.4M +0.9% YoY+1.5% QoQ	+$213.3M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	Top 2.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -30.5% YoY-39.5% QoQ	+0.0%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	49%
NIM	4.0% +2.9% YoY-1.1% QoQ	+0.4%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	73%
Efficiency Ratio	74.5% +15.2% YoY+9.9% QoQ	-3.5%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.9% +13.2% YoY-26.6% QoQ	+0.1	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	71%
Loan To Share	78.2% -0.9% YoY-2.6% QoQ	+7.8%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	63%
AMR	$16,889 -0.8% YoY-0.1% QoQ	$-8K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	16%
CD Concentration	26.1% -3.5% YoY-1.5% QoQ	+1.8%	24.3%	20.0%	19.8%	50%
Indirect Auto %	27.1% -11.9% YoY-3.7% QoQ	+13.3%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Cost Spiral

risk

#21 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 9.83% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 53.48%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#489 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#381 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.35%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 27.13%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.31%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#212 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.84%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 43,724

Peer Median: 13,200

#9 of 1070 Top 0.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $480.96M

Peer Median: $196.57M

#21 of 1070 Top 1.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $414.43M

Peer Median: $171.29M

#25 of 1070 Top 2.2% in 100M-500M tier

Total Loans

balance_sheet

Value: $324.03M

Peer Median: $121.41M

#38 of 1070 Top 3.5% in 100M-500M tier

187

First Mortgage Concentration (%)

balance_sheet

Value: 13.40%

Peer Median: 29.47%

#187 of 1070 Top 17.4% in 100M-500M tier

209

Net Worth Ratio

risk

Value: 14.15%

Peer Median: 11.45%

#209 of 1070 Top 19.4% in 100M-500M tier

258

Fee Income Per Member

profitability

Value: $202.82

Peer Median: $154.95

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (4 metrics)

994

Net Charge-Off Rate

risk

Value: 1.23%

Peer Median: 0.35%

#994 of 1070 Bottom 7.2% in 100M-500M tier

901

Average Member Relationship (AMR)

engagement

Value: $16,889

Peer Median: $22,931

#901 of 1070 Bottom 15.9% in 100M-500M tier

894

AMR Growth Rate

growth

Value: -0.84%

Peer Median: 3.46%

#894 of 1070 Bottom 16.5% in 100M-500M tier

868

Indirect Auto Concentration (%)

balance_sheet

Value: 27.13%

Peer Median: 6.61%

#868 of 1070 Bottom 19.0% in 100M-500M tier