BlastPoint's Credit Union Scorecard
FIRST NESHOBA
Charter #16435 · MS
FIRST NESHOBA has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
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 ($21.1M in shares and deposits).
- Membership: 4,000 members, +2.6% vs a year ago.
- Delinquency rate 0.91%.
- Return on assets 1.27%.
- Efficiency ratio 68.21% vs a 88.77% peer average.
- Loan-to-share ratio 42.19% 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 |
4,000
+2.6% YoY+2.6% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$24.6M
+4.6% YoY-4.3% QoQ
|
$-5.7M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$8.9M
+7.1% YoY+0.9% QoQ
|
$-6.5M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$21.1M
+4.3% YoY-5.6% QoQ
|
$-4.7M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
1.3%
-9.5% YoY+27.0% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
4.0%
-5.6% YoY+4.6% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
68.2%
-0.9% YoY-9.1% QoQ
|
-20.6% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
0.9%
+53.6% YoY+93.4% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
42.2%
+2.7% YoY+6.8% QoQ
|
-16.7% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$7,508
+2.5% YoY-6.2% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
0.7%
-6.9% YoY+6.0% QoQ
|
-23.8% | 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)