BlastPoint's Credit Union Scorecard
MEMORIAL
Charter #14824 · MS
MEMORIAL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.5% in tier
- + AMR Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Efficiency ratio 7.24% above tier (higher cost structure)
- - Member decline: -8.6% YoY
- - Member Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,157
-8.6% YoY-1.2% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$6.2M
-0.6% YoY+4.5% QoQ
|
$-23.7M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$2.1M
+4.5% YoY+0.6% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$3.9M
-1.4% YoY+6.6% QoQ
|
$-21.5M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
0.7%
+1.2% YoY+100.1% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
5.1%
+21.2% YoY+0.3% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 13.1% in tier |
| Efficiency Ratio |
88.6%
+3.3% YoY-5.5% QoQ
|
+7.2% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.3%
-75.5% YoY+85.2% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
54.3%
+6.0% YoY-5.7% QoQ
|
-7.0% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$5,247
+10.1% YoY+5.7% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.0% in tier |
| CD Concentration |
2.3%
+14.2% YoY-6.0% QoQ
|
-22.1% |
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)