BlastPoint's Credit Union Scorecard

FIRST NESHOBA

Charter #16435 · MS

2556 CUs in <100M nationally 41 in MS

FIRST NESHOBA demonstrates 4 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 0.88% above tier average
+ Net Interest Margin 0.25% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	3,900 +2.6% YoY0% QoQ	+1.3K	2,615 -1.9% YoY	14,672 +15.4% YoY	33,374 +5.7% YoY	78%
Assets	$23.8M +5.2% YoY+0.8% QoQ	$-6.4M	$30.1M +2.1% YoY	$175.8M +23.7% YoY	$561.6M +9.7% YoY	52%
Loans	$8.7M +9.4% YoY+1.2% QoQ	$-7.0M	$15.8M -1.3% YoY	$116.9M +20.6% YoY	$397.0M +8.8% YoY	47%
Deposits	$20.5M +4.0% YoY+0.3% QoQ	$-5.2M	$25.7M +1.4% YoY	$139.2M +23.5% YoY	$477.3M +9.7% YoY	53%

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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	1.5% -9.5% YoY+2.2% QoQ	+0.9%	0.6% +10.8% YoY	0.8% +172.9% YoY	0.7% +15.9% YoY	84%
NIM	4.2% -3.1% YoY+0.1% QoQ	+0.3%	4.0% +4.0% YoY	4.4% +3.3% YoY	3.8% +5.1% YoY	63%
Efficiency Ratio	69.1% +6.7% YoY+0.1% QoQ	-13.5%	82.6% -2.3% YoY	79.5% -8.9% YoY	79.7% -3.3% YoY	26%
Delinquency Rate	0.7% -39.7% YoY+27.7% QoQ	-0.9	1.6% -3.1% YoY	2.7% -0.7% YoY	1.3% -2.1% YoY	49%
Loan To Share	42.6% +5.3% YoY+0.9% QoQ	-18.1%	60.6% -3.1% YoY	68.0% -1.8% YoY	67.4% -1.7% YoY	23%
AMR	$7,501 +2.8% YoY+0.6% QoQ	$-7K	$14,783 -1.4% YoY	$12,283 +3.8% YoY	$19,687 +2.0% YoY	17%
CD Concentration	0.8% -6.6% YoY-0.3% QoQ	-23.7%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.5%	7.8%	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 2556 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

306

Loan Growth Rate

growth

Value: 9.44%

Peer Median: -

#306 of 2556 Top 11.9% in <100M tier

314

Member Growth Rate

growth

Value: 2.63%

Peer Median: -

#314 of 2556 Top 12.2% in <100M tier

418

Return on Assets (ROA)

profitability

Value: 1.50%

Peer Median: -

#418 of 2556 Top 16.3% in <100M tier

563

Total Members

engagement

Value: 3,900

Peer Median: -

#563 of 2556 Top 22.0% in <100M tier

623

Share Certificate Concentration (%)

balance_sheet

Value: 0.76%

Peer Median: -

#623 of 2556 Top 24.3% in <100M tier

Top Weaknesses (3 metrics)

2148

Loan-to-Member Ratio (LMR)

engagement

Value: $2,239

Peer Median: -

#2148 of 2556 Bottom 16.0% in <100M tier

2121

Average Member Relationship (AMR)

engagement

Value: $7,501

Peer Median: -

#2121 of 2556 Bottom 17.1% in <100M tier

1977

Loan-to-Share Ratio

balance_sheet

Value: 42.56%

Peer Median: -

#1977 of 2556 Bottom 22.7% in <100M tier