BlastPoint's Credit Union Scorecard
MEMORIAL
Charter #14824 · MS
MEMORIAL has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Net Worth Ratio: Top 2.6% in tier
- + Loan Growth Rate: Top 4.6% in tier
- + AMR Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.5% YoY
- - Average Member Relationship (AMR): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,118
-6.5% YoY-1.7% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$5.9M
-1.5% YoY-0.4% QoQ
|
$-24.3M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$2.0M
+16.8% YoY-5.2% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$3.7M
-3.6% YoY-0.9% QoQ
|
$-22.1M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
0.2%
-23.0% YoY-76.5% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
28% |
| NIM |
4.7%
-4.2% YoY-7.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
86.3%
-11.4% YoY-0.8% QoQ
|
-4.3% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.4%
-78.3% YoY+121.3% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
55.1%
+21.1% YoY-4.3% QoQ
|
-3.4% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$5,104
+10.0% YoY-0.8% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.4% in tier |
| CD Concentration |
2.1%
-10.8% YoY-10.3% QoQ
|
-22.1% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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)