BlastPoint's Credit Union Scorecard
MISSISSIPPI HIGHWAY SAFTY PAT
Charter #16327 · MS
MISSISSIPPI HIGHWAY SAFTY PAT has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 0.73% above tier average
- + Net Worth Ratio: Top 7.1% in tier
- + Efficiency Ratio: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.08% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits -4.3% year over year ($9.3M in shares and deposits).
- Membership: 1,398 members, -0.1% vs a year ago.
- Delinquency rate 6.62%.
- Return on assets 1.88%.
- Efficiency ratio 57.88% vs a 88.77% peer average.
- Loan-to-share ratio 75.81% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,398
-0.1% YoY+0.5% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$13.1M
-1.1% YoY+0.0% QoQ
|
$-17.2M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$7.1M
-11.7% YoY-5.5% QoQ
|
$-8.4M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$9.3M
-4.3% YoY-0.4% QoQ
|
$-16.5M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
1.9%
-24.4% YoY-18.3% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Top 11.4% in tier |
| NIM |
4.6%
-1.2% YoY+6.2% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
57.9%
+13.0% YoY+14.5% QoQ
|
-30.9% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
Top 10.0% in tier |
| Delinquency Rate |
6.6%
+201.5% YoY+68.5% QoQ
|
+5.1 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
75.8%
-7.6% YoY-5.1% QoQ
|
+16.9% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$11,721
-7.5% YoY-3.2% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
8.9%
-38.4% YoY+2.1% QoQ
|
-15.6% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)