BlastPoint's Credit Union Scorecard
MISSISSIPPI HIGHWAY SAFTY PAT
Charter #16327 · MS
MISSISSIPPI HIGHWAY SAFTY PAT has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.15% above tier average
- + Net Interest Margin 0.35% above tier average
- + Members Per Employee (MPE): Top 4.8% in tier
- + Efficiency Ratio: Top 5.1% in tier
- + Net Worth Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.43% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,391
-0.9% YoY+0.2% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$13.1M
-1.0% YoY+2.2% QoQ
|
$-17.1M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$7.5M
-8.1% YoY-2.3% QoQ
|
$-7.8M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$9.4M
-4.5% YoY+2.1% QoQ
|
$-16.4M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
34% |
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| ROA |
2.3%
+4.0% YoY-0.4% QoQ
|
+2.2% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Top 4.1% in tier |
| NIM |
4.4%
-3.6% YoY-7.1% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
50.6%
-8.2% YoY-5.9% QoQ
|
-40.1% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Top 5.1% in tier |
| Delinquency Rate |
3.9%
+83.0% YoY-8.8% QoQ
|
+2.4 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.0% in tier |
| Loan To Share |
79.9%
-3.8% YoY-4.3% QoQ
|
+21.4% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$12,103
-5.3% YoY-0.1% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
39% |
| CD Concentration |
8.7%
-33.6% YoY+1.6% QoQ
|
-15.5% | 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)