TOMBIGBEE

Charter #17681 | MS

<100M (2596 CUs) Micro
41 <100M in MS

TOMBIGBEE demonstrates 5 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.20% above tier average
  • + Net Interest Margin 1.07% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 1,084
+1.1% YoY+1.6% QoQ
 -1.5K 2,625
-2.2% YoY
 14,577
+18.5% YoY
 33,089
+6.1% YoY
 30th in tier
Assets $5.6M
-2.8% YoY-3.2% QoQ
 $-24.3M $29.9M
+1.1% YoY
 $171.7M
+26.4% YoY
 $547.7M
+7.8% YoY
 Bottom 21.4% in tier
Loans $2.8M
-7.1% YoY+1.2% QoQ
 $-13.0M $15.8M
-2.4% YoY
 $115.7M
+25.1% YoY
 $388.7M
+8.6% YoY
 Bottom 22.6% in tier
Deposits $4.5M
-6.4% YoY-4.3% QoQ
 $-20.9M $25.5M
+0.4% YoY
 $135.7M
+26.5% YoY
 $464.6M
+9.3% YoY
 Bottom 21.6% in tier
ROA 1.9%
+218.0% YoY-19.7% QoQ
 +1.2% 0.7%
-731.4% YoY
 0.9%
+335.0% YoY
 0.7%
+273.4% YoY
 Top 11.1% in tier
NIM 5.0%
+17.0% YoY+3.4% QoQ
 +1.1% 3.9%
+3.8% YoY
 4.4%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 14.1% in tier
Efficiency Ratio 65.9%
-10.6% YoY+1.3% QoQ
 -15.5% 81.4%
-2.4% YoY
 78.7%
-9.5% YoY
 79.1%
-3.3% YoY
 Bottom 23.2% in tier
Delinquency Rate 1.0%
-21.2% YoY-33.0% QoQ
 -0.5 1.5%
-2.0% YoY
 1.7%
-11.9% YoY
 1.2%
-0.9% YoY
 61st in tier
Loan To Share 61.4%
-0.8% YoY+5.7% QoQ
 +0.2% 61.2%
-3.0% YoY
 68.6%
-0.4% YoY
 68.0%
-1.7% YoY
 50th in tier
AMR $6,755
-7.7% YoY-3.8% QoQ
 $-8K $14,627
-2.7% YoY
 $12,163
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 14.3% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 19.3%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.5%
+12.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
288
Return on Assets (ROA)
profitability
Value: 1.88%
Peer Avg: 0.68%
#288 of 2596 Top 11.1% in <100M tier
365
Net Interest Margin (NIM)
profitability
Value: 5.00%
Peer Avg: 3.93%
#365 of 2596 Top 14.0% in <100M tier
591
Member Growth Rate
growth
Value: 1.12%
Peer Avg: 14.92%
#591 of 2596 Top 22.7% in <100M tier
604
Efficiency Ratio
profitability
Value: 65.87%
Peer Avg: 81.39%
#604 of 2596 Top 23.2% in <100M tier

Top Weaknesses (9 metrics)

2305
AMR Growth Rate
growth
Value: -7.66%
Peer Avg: 4.67%
#2305 of 2596 Bottom 11.2% in <100M tier
2251
Deposit Growth Rate
growth
Value: -6.36%
Peer Avg: 16.80%
#2251 of 2596 Bottom 13.3% in <100M tier
2226
Average Member Relationship (AMR)
engagement
Value: $6,755
Peer Avg: $14,627
#2226 of 2596 Bottom 14.3% in <100M tier
2112
Loan-to-Member Ratio (LMR)
engagement
Value: $2,570
Peer Avg: $5,488
#2112 of 2596 Bottom 18.7% in <100M tier
2047
Fee Income Per Member
profitability
Value: $12.59
Peer Avg: $182.96
#2047 of 2596 Bottom 21.2% in <100M tier
2041
Total Assets
balance_sheet
Value: $5.57M
Peer Avg: $29.86M
#2041 of 2596 Bottom 21.4% in <100M tier
2036
Total Deposits
balance_sheet
Value: $4.54M
Peer Avg: $25.45M
#2036 of 2596 Bottom 21.6% in <100M tier
2018
Asset Growth Rate
growth
Value: -2.83%
Peer Avg: 1.82%
#2018 of 2596 Bottom 22.3% in <100M tier
2010
Total Loans
balance_sheet
Value: $2.79M
Peer Avg: $15.77M
#2010 of 2596 Bottom 22.6% in <100M tier