BlastPoint's Credit Union Scorecard
MISSISSIPPI NATIONAL GUARD
Charter #14805 · MS
MISSISSIPPI NATIONAL GUARD has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
- + Net Interest Margin 0.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 5.2% in tier
- + Member Growth Rate: Top 7.1% in tier
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.33% above tier average
- - Share Certificate Concentration (%): Bottom 4.1% in tier
- - Net Worth Ratio: Bottom 5.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,946
+4.7% YoY+0.9% QoQ
|
+320 |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$43.0M
-1.0% YoY-0.4% QoQ
|
+$13.2M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$33.8M
-2.2% YoY-1.1% QoQ
|
+$18.1M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Top 15.0% in tier |
| Deposits |
$40.0M
-2.5% YoY-0.3% QoQ
|
+$14.6M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
1.1%
+93.5% YoY-14.9% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
4.0%
+47.1% YoY-0.2% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
64.8%
-19.1% YoY+0.2% QoQ
|
-16.6% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
2.8%
-10.0% YoY+14.3% QoQ
|
+1.3 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 13.0% in tier |
| Loan To Share |
84.5%
+0.3% YoY-0.8% QoQ
|
+23.3% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$25,067
-6.8% YoY-1.6% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Top 7.9% in tier |
| CD Concentration |
48.3%
-10.3% YoY-2.5% QoQ
|
+23.9% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
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)