BlastPoint's Credit Union Scorecard
MUW
Charter #16770 · MS
MUW has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.12% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.28% above tier (higher cost structure)
- - Delinquency rate 0.80% above tier average
- - Members Per Employee (MPE): Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
442
-1.1% YoY+0.9% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
Bottom 12.1% in tier |
| Assets |
$4.3M
-1.0% YoY+1.6% QoQ
|
$-25.9M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.1M
-1.5% YoY-5.5% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$3.9M
-1.9% YoY+1.5% QoQ
|
$-21.9M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
1.3%
-66.7% YoY-7.9% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
3.7%
-7.0% YoY-0.7% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
91.9%
+18.0% YoY+7.9% QoQ
|
+1.3% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
2.3%
-3.1% YoY+3.1% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
53.9%
+0.4% YoY-6.9% QoQ
|
-4.7% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
43% |
| AMR |
$13,645
-0.6% YoY-2.0% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
26.7%
+4.5% YoY+1.7% QoQ
|
+2.4% | 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)