BlastPoint's Credit Union Scorecard
MUW
Charter #16770 · MS
MUW has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.25% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
- - Member decline: -4.1% YoY
- - Members Per Employee (MPE): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
441
-4.1% YoY-0.9% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Bottom 12.2% in tier |
| Assets |
$4.1M
-1.9% YoY-6.4% QoQ
|
$-25.7M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$2.2M
+4.4% YoY+5.3% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$3.8M
-3.2% YoY-7.4% QoQ
|
$-21.7M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
1.8%
+124.8% YoY-25.3% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 13.3% in tier |
| NIM |
3.8%
-1.2% YoY+1.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
82.6%
+10.7% YoY+4.5% QoQ
|
+1.3% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.6%
-49.9% YoY-32.9% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
59.1%
+7.9% YoY+13.7% QoQ
|
-2.2% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$13,586
+3.8% YoY-2.2% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
24.6%
+2.2% YoY-7.5% QoQ
|
+0.2% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
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)