BlastPoint's Credit Union Scorecard

FIRST NESHOBA

Charter #16435 · MS

<100M

2508 CUs in <100M nationally 42 in MS

FIRST NESHOBA demonstrates 5 strengths

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.86% above tier average
+ Asset Growth Rate: Top 3.7% in tier
+ Deposit Growth Rate: Top 4.5% in tier
+ AMR Growth Rate: Top 6.3% in tier
+ Loan Growth Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	3,900 +0.2% YoY0% QoQ	+1.2K	2,676 +1.6% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	78%
Assets	$25.7M +13.2% YoY+8.0% QoQ	$-4.5M	$30.2M +1.3% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	55%
Loans	$8.8M +11.8% YoY+1.2% QoQ	$-6.4M	$15.3M -2.0% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	48%
Deposits	$22.4M +13.3% YoY+9.0% QoQ	$-3.4M	$25.8M +0.7% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% -37.1% YoY-33.2% QoQ	+0.9%	0.1% -77.6% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	69%
NIM	3.8% -10.7% YoY-9.8% QoQ	-0.2%	4.0% +4.0% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	75.0% +7.6% YoY+8.6% QoQ	-15.6%	90.6% +6.5% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	0.5% +3.4% YoY-31.6% QoQ	-1.0	1.5% +3.8% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	42%
Loan To Share	39.5% -1.4% YoY-7.2% QoQ	-19.0%	58.5% -3.0% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	21%
AMR	$8,001 +12.7% YoY+6.7% QoQ	$-7K	$14,884 -1.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	19%
CD Concentration	0.7% -14.3% YoY-8.2% QoQ	-23.6%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Asset Growth Rate

growth

Value: 13.23%

Peer Median: 1.30%

#94 of 2508 Top 3.7% in <100M tier

115

Deposit Growth Rate

growth

Value: 13.34%

Peer Median: 0.66%

#115 of 2508 Top 4.5% in <100M tier

158

AMR Growth Rate

growth

Value: 12.66%

Peer Median: 1.27%

#158 of 2508 Top 6.3% in <100M tier

199

Loan Growth Rate

growth

Value: 11.77%

Peer Median: -2.36%

#199 of 2508 Top 7.9% in <100M tier

553

Total Members

engagement

Value: 3,900

Peer Median: 1,918

#553 of 2508 Top 22.0% in <100M tier

606

Share Certificate Concentration (%)

balance_sheet

Value: 0.70%

Peer Median: 12.45%

#606 of 2508 Top 24.1% in <100M tier

Top Weaknesses (3 metrics)

2094

Loan-to-Member Ratio (LMR)

engagement

Value: $2,266

Peer Median: $4,923

#2094 of 2508 Bottom 16.5% in <100M tier

2034

Average Member Relationship (AMR)

engagement

Value: $8,001

Peer Median: $13,926

#2034 of 2508 Bottom 18.9% in <100M tier

1970

Loan-to-Share Ratio

balance_sheet

Value: 39.50%

Peer Median: 58.72%

#1970 of 2508 Bottom 21.5% in <100M tier