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 1.37% above tier average
- + AMR Growth Rate: Top 4.8% in tier
- + Asset Growth Rate: Top 5.4% in tier
- + Efficiency Ratio: Top 6.0% in tier
- + Deposit Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.5% YoY
- - Member Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,047
-8.5% YoY-2.6% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$11.8M
+11.6% YoY+4.5% QoQ
|
$-18.4M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$3.9M
-9.3% YoY-2.6% QoQ
|
$-11.4M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$10.4M
+11.5% YoY+4.6% QoQ
|
$-15.4M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
37% |
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| ROA |
1.5%
+5.2% YoY+18.9% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Top 14.8% in tier |
| NIM |
2.9%
-1.9% YoY+3.9% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
52.7%
-3.8% YoY-4.9% QoQ
|
-37.9% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
0.1%
-91.4% YoY-29.9% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
37.9%
-18.7% YoY-7.0% QoQ
|
-20.6% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$13,652
+14.6% YoY+5.3% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
28.5%
+72.3% YoY+17.4% QoQ
|
+4.2% | 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)