BlastPoint's Credit Union Scorecard
MISSISSIPPI NATIONAL GUARD
Charter #14805 · MS
MISSISSIPPI NATIONAL GUARD has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
- + Member Growth Rate: Top 7.6% in tier
- + Average Member Relationship (AMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.5% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,957
+4.0% YoY+0.4% QoQ
|
+341 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$42.9M
+2.8% YoY-0.3% QoQ
|
+$12.7M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$32.5M
-6.6% YoY-4.1% QoQ
|
+$16.7M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$39.5M
+0.8% YoY-1.3% QoQ
|
+$13.8M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
1.1%
+72.2% YoY-6.6% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.5%
+23.1% YoY-12.1% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
66.3%
-18.3% YoY+2.2% QoQ
|
-16.3% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.2%
-63.1% YoY-56.3% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
82.2%
-7.4% YoY-2.8% QoQ
|
+21.6% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$24,326
-6.4% YoY-3.0% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Top 9.5% in tier |
| CD Concentration |
47.8%
-10.2% YoY-1.1% QoQ
|
+23.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)