MISSISSIPPI NATIONAL GUARD
Charter #14805 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in 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
|
66th in tier |
| 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
|
72nd in tier |
| 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
|
Top 24.5% in tier |
| 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
|
69th in tier |
| 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
|
55th in tier |
| 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
|
Bottom 21.3% in tier |
| 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
|
Top 17.2% in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
107
Members Per Employee (MPE)
engagement
Value:
736.500
Peer Avg: 365.701
#107 of 2596
Top 4.1% in <100M tier
135
Loan-to-Member Ratio (LMR)
engagement
Value:
$11,484
Peer Avg: $5,488
#135 of 2596
Top 5.2% in <100M tier
185
Member Growth Rate
growth
Value:
4.73%
Peer Avg: 14.92%
#185 of 2596
Top 7.1% in <100M tier
205
Average Member Relationship (AMR)
engagement
Value:
$25,067
Peer Avg: $14,627
#205 of 2596
Top 7.9% in <100M tier
389
Total Loans
balance_sheet
Value:
$33.83M
Peer Avg: $15.77M
#389 of 2596
Top 14.9% in <100M tier
435
Fee Income Per Member
profitability
Value:
$141.17
Peer Avg: $182.96
#435 of 2596
Top 16.7% in <100M tier
442
Loan-to-Share Ratio
balance_sheet
Value:
84.55%
Peer Avg: 61.23%
#442 of 2596
Top 17.0% in <100M tier
555
Efficiency Ratio
profitability
Value:
64.82%
Peer Avg: 81.39%
#555 of 2596
Top 21.3% in <100M tier
Top Weaknesses (4 metrics)
2490
Share Certificate Concentration (%)
balance_sheet
Value:
48.30%
Peer Avg: 15.37%
#2490 of 2596
Bottom 4.1% in <100M tier
2448
Net Worth Ratio
risk
Value:
8.29%
Peer Avg: 16.43%
#2448 of 2596
Bottom 5.7% in <100M tier
2262
AMR Growth Rate
growth
Value:
-6.79%
Peer Avg: 4.67%
#2262 of 2596
Bottom 12.9% in <100M tier
2260
Total Delinquency Rate (60+ days)
risk
Value:
2.84%
Peer Avg: 1.51%
#2260 of 2596
Bottom 13.0% in <100M tier