BlastPoint's Credit Union Scorecard
NORTHEAST MISSISSIPPI
Charter #16449 · MS
NORTHEAST MISSISSIPPI has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.00% above tier average
- + Net Interest Margin 0.89% above tier average
- + Loan-to-Share Ratio: Top 3.5% in tier
- + Member Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.29% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
987
+4.3% YoY+1.9% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$6.7M
+5.1% YoY+2.7% QoQ
|
$-23.4M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$5.6M
+5.5% YoY+1.0% QoQ
|
$-9.6M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$5.7M
+4.9% YoY+2.5% QoQ
|
$-20.1M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
2.1%
-652.4% YoY+962.8% QoQ
|
+2.0% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Top 5.1% in tier |
| NIM |
4.9%
-1.5% YoY+0.7% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
60.2%
-7.4% YoY-11.6% QoQ
|
-30.4% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Top 12.4% in tier |
| Delinquency Rate |
5.8%
+139.2% YoY+11.5% QoQ
|
+4.3 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
98.9%
+0.5% YoY-1.5% QoQ
|
+40.4% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 3.6% in tier |
| AMR |
$11,499
+0.8% YoY-0.1% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
11.3%
+183.8% YoY+29.6% QoQ
|
-13.0% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)