BlastPoint's Credit Union Scorecard
MISSISSIPPI HIGHWAY SAFTY PAT
Charter #16327 · MS
MISSISSIPPI HIGHWAY SAFTY PAT has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.68% above tier average
- + Net Interest Margin 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.9% in tier
- + Efficiency Ratio: Top 6.5% in tier
- + Net Worth Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.75% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,388
-0.8% YoY-0.1% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$12.8M
-4.0% YoY-2.9% QoQ
|
$-17.3M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$7.7M
-8.2% YoY-2.8% QoQ
|
$-8.1M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$9.2M
-8.2% YoY-5.0% QoQ
|
$-16.5M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
2.3%
+32.3% YoY+4.8% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Top 3.8% in tier |
| NIM |
4.7%
+6.9% YoY+2.6% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
53.7%
-10.9% YoY-1.1% QoQ
|
-28.8% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
4.3%
+105.9% YoY+32.8% QoQ
|
+2.8 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 7.7% in tier |
| Loan To Share |
83.6%
-0.1% YoY+2.2% QoQ
|
+22.9% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$12,116
-7.5% YoY-3.9% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
8.6%
-30.4% YoY-37.9% QoQ
|
-15.8% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)