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 0.75% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.65% above tier (higher cost structure)
- - Delinquency rate 0.68% above tier average
- - Member decline: -4.6% YoY
- - Members Per Employee (MPE): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
438
-4.6% YoY-0.7% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.0% in tier |
| Assets |
$4.2M
+0.7% YoY+2.3% QoQ
|
$-25.9M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.2M
+5.6% YoY+0.4% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$3.9M
-0.8% YoY+2.6% QoQ
|
$-21.8M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
1.4%
+99.7% YoY-22.0% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.8%
+3.9% YoY-1.1% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
85.2%
+9.5% YoY+3.1% QoQ
|
+2.6% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
2.2%
-36.7% YoY+41.2% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
57.8%
+6.4% YoY-2.1% QoQ
|
-2.8% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$13,924
+6.3% YoY+2.5% QoQ
|
$-859 |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
26.2%
+7.6% YoY+6.6% QoQ
|
+1.8% | 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)