BlastPoint's Credit Union Scorecard
BILOXI TEACHERS
Charter #16699 · MS
BILOXI TEACHERS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 6.4% in tier
- + Asset Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Member decline: -5.9% YoY
- - Net Interest Margin (NIM): Bottom 9.2% in tier
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 +8.8% year over year ($10.7M in shares and deposits).
- Membership: 1,048 members, -5.9% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 1.30%.
- Efficiency ratio 53.44% vs a 88.77% peer average.
- Loan-to-share ratio 36.44% 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 |
1,048
-5.9% YoY+0.1% QoQ
|
-1.5K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
30% |
| Assets |
$12.1M
+9.3% YoY+2.8% QoQ
|
$-18.1M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$3.9M
-9.8% YoY-1.1% QoQ
|
$-11.6M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$10.7M
+8.8% YoY+2.9% QoQ
|
$-15.1M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
37% |
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| ROA |
1.3%
+2.9% YoY-13.9% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
2.7%
-2.8% YoY-8.5% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
53.4%
-5.7% YoY+1.3% QoQ
|
-35.3% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
Top 6.4% in tier |
| Delinquency Rate |
0.3%
-82.9% YoY+341.1% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
36.4%
-17.1% YoY-3.8% QoQ
|
-22.5% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$13,884
+9.7% YoY+1.7% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
29.6%
+34.0% YoY+3.9% QoQ
|
+5.1% | 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)