BlastPoint's Credit Union Scorecard
MUW
Charter #16770 · MS
MUW faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.07% below tier average
- - Efficiency ratio 2.13% above tier (higher cost structure)
- - Delinquency rate 1.95% above tier average
- - Members Per Employee (MPE): Bottom 6.9% 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 -0.6% year over year ($4.0M in shares and deposits).
- Membership: 445 members, +0.0% vs a year ago.
- Delinquency rate 3.49%.
- Return on assets 0.42%.
- Efficiency ratio 90.90% vs a 88.77% peer average.
- Loan-to-share ratio 55.33% 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 |
445
0% YoY+0.7% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 12.2% in tier |
| Assets |
$4.4M
+0.1% YoY+2.9% QoQ
|
$-25.9M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$2.2M
+5.9% YoY+5.9% QoQ
|
$-13.2M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$4.0M
-0.6% YoY+3.1% QoQ
|
$-21.8M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.4%
-82.2% YoY-66.8% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.5%
-5.5% YoY-5.1% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
90.9%
+14.9% YoY-1.1% QoQ
|
+2.1% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
3.5%
+47.9% YoY+51.5% QoQ
|
+1.9 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.9% in tier |
| Loan To Share |
55.3%
+6.6% YoY+2.7% QoQ
|
-3.6% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$14,109
+1.6% YoY+3.4% QoQ
|
$-854 |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
26.8%
+1.0% YoY+0.6% QoQ
|
+2.3% | 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)