BlastPoint's Credit Union Scorecard
NORTHEAST MISSISSIPPI
Charter #16449 · MS
NORTHEAST MISSISSIPPI has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.91% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.1% in tier
- + Member Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Delinquency rate 3.64% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
969
+3.4% YoY+6.6% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$6.6M
+6.8% YoY+0.2% QoQ
|
$-23.6M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$5.6M
+6.2% YoY-1.0% QoQ
|
$-10.2M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$5.6M
+7.8% YoY+0.4% QoQ
|
$-20.1M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
0.2%
-44.4% YoY-58.0% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
4.9%
+14.8% YoY-3.1% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
68.1%
-14.5% YoY+7.8% QoQ
|
-14.4% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
5.2%
+4.4% YoY+47.6% QoQ
|
+3.6 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 5.9% in tier |
| Loan To Share |
100.5%
-1.5% YoY-1.4% QoQ
|
+39.8% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 4.2% in tier |
| AMR |
$11,508
+3.5% YoY-6.5% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
8.7%
+151.8% YoY+6.1% QoQ
|
-15.7% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)