BlastPoint's Credit Union Scorecard

MERIDIAN MISSISSIPPI ANG

Charter #15377 ยท MS

2596 CUs in <100M nationally 41 in MS

MERIDIAN MISSISSIPPI ANG demonstrates 5 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.55% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.8% in tier
  • + Average Member Relationship (AMR): Top 4.2% in tier
  • + Efficiency Ratio: Top 5.9% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 1,587
+2.1% YoY-0.9% QoQ
-1.0K 2,625
-2.2% YoY
14,577
+18.5% YoY
33,089
+6.1% YoY
42%
Assets $29.5M
+8.9% YoY+1.5% QoQ
$-398K $29.9M
+1.1% YoY
$171.7M
+26.4% YoY
$547.7M
+7.8% YoY
60%
Loans $22.1M
+2.0% YoY+3.3% QoQ
+$6.3M $15.8M
-2.4% YoY
$115.7M
+25.1% YoY
$388.7M
+8.6% YoY
73%
Deposits $25.2M
+7.9% YoY+0.9% QoQ
$-299K $25.5M
+0.4% YoY
$135.7M
+26.5% YoY
$464.6M
+9.3% YoY
60%

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Tier 1
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ROA 2.2%
+0.9% YoY+3.5% QoQ
+1.6% 0.7%
-731.4% YoY
0.9%
+335.0% YoY
0.7%
+273.4% YoY
Top 5.8% in tier
NIM 3.9%
+1.2% YoY+1.4% QoQ
-0.0% 3.9%
+3.8% YoY
4.4%
+3.2% YoY
3.7%
+5.0% YoY
51%
Efficiency Ratio 48.9%
+1.1% YoY-4.0% QoQ
-32.5% 81.4%
-2.4% YoY
78.7%
-9.5% YoY
79.1%
-3.3% YoY
Bottom 5.9% in tier
Delinquency Rate 0.5%
+237.8% YoY-35.5% QoQ
-1.0 1.5%
-2.0% YoY
1.7%
-11.9% YoY
1.2%
-0.9% YoY
44%
Loan To Share 87.8%
-5.5% YoY+2.4% QoQ
+26.5% 61.2%
-3.0% YoY
68.6%
-0.4% YoY
68.0%
-1.7% YoY
Top 13.4% in tier
AMR $29,762
+2.9% YoY+2.9% QoQ
+$15K $14,627
-2.7% YoY
$12,163
+4.6% YoY
$19,418
+1.3% YoY
Top 4.3% in tier
CD Concentration 19.4%
+29.0% YoY+8.7% QoQ
-5.0% 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)

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)

Comparing against 2596 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
74
Loan-to-Member Ratio (LMR)
engagement
Value: $13,911
Peer Avg: -
#74 of 2596 Top 2.8% in <100M tier
111
Average Member Relationship (AMR)
engagement
Value: $29,762
Peer Avg: -
#111 of 2596 Top 4.2% in <100M tier
151
Return on Assets (ROA)
profitability
Value: 2.24%
Peer Avg: -
#151 of 2596 Top 5.8% in <100M tier
155
Efficiency Ratio
profitability
Value: 48.91%
Peer Avg: -
#155 of 2596 Top 5.9% in <100M tier
274
Asset Growth Rate
growth
Value: 8.92%
Peer Avg: -
#274 of 2596 Top 10.5% in <100M tier
343
Loan-to-Share Ratio
balance_sheet
Value: 87.76%
Peer Avg: -
#343 of 2596 Top 13.2% in <100M tier
350
Deposit Growth Rate
growth
Value: 7.94%
Peer Avg: -
#350 of 2596 Top 13.4% in <100M tier
425
Member Growth Rate
growth
Value: 2.12%
Peer Avg: -
#425 of 2596 Top 16.3% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available
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