BlastPoint's Credit Union Scorecard
BILOXI TEACHERS
Charter #16699 · MS
BILOXI TEACHERS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 6.3% in tier
- + Efficiency Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.3% YoY
- - Member Growth Rate: Bottom 6.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,075
-9.3% YoY+0.1% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$11.3M
+8.9% YoY-1.6% QoQ
|
$-18.9M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$4.0M
-11.2% YoY-1.8% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$9.9M
+8.8% YoY-2.0% QoQ
|
$-15.8M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
1.3%
+83.3% YoY-9.7% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
2.8%
+15.9% YoY-0.1% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio |
55.5%
-21.1% YoY+3.6% QoQ
|
-27.1% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate |
0.1%
-88.5% YoY-52.4% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
40.7%
-18.4% YoY+0.3% QoQ
|
-19.9% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$12,968
+12.6% YoY-2.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
24.3%
+53.0% YoY+2.7% QoQ
|
-0.1% | 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)