BlastPoint's Credit Union Scorecard
CITIZENS CHOICE
Charter #17715 · MS
2596 CUs in <100M nationally
41 in MS
CITIZENS CHOICE has 4 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.77% 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
- - ROA 3.95% below tier average
- - Efficiency ratio 55.23% above tier (higher cost structure)
- - Delinquency rate 4.22% above tier average
- - Member decline: -11.2% YoY
- - Net Worth Ratio: Bottom 0.5% in tier
- - Asset Growth Rate: Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.5% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - Total Assets: Bottom 4.7% in tier
- - Member Growth Rate: Bottom 4.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
- - Total Deposits: Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
- - Total Loans: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
365
-11.2% YoY-2.7% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Bottom 10.0% in tier |
| Assets |
$769,332
-18.8% YoY-1.2% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.7% in tier |
| Loans |
$369,420
-9.3% YoY+3.1% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.2% in tier |
| Deposits |
$677,782
-22.1% YoY-0.5% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.2% in tier |
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| ROA |
-3.3%
-32.4% YoY+14.6% QoQ
|
-4.0% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.8% in tier |
| NIM |
6.7%
+10.6% YoY+0.7% QoQ
|
+2.8% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 2.1% in tier |
| Efficiency Ratio |
136.6%
-19.5% YoY-1.3% QoQ
|
+55.2% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
5.7%
+350.9% YoY-13.6% QoQ
|
+4.2 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 5.0% in tier |
| Loan To Share |
54.5%
+16.4% YoY+3.7% QoQ
|
-6.7% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$2,869
-7.6% YoY+3.5% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.5% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
54
Net Interest Margin (NIM)
profitability
Value:
6.70%
Peer Avg: -
#54 of 2596
Top 2.0% in <100M tier
Top Weaknesses (17 metrics)
2585
Net Worth Ratio
risk
Value:
4.46%
Peer Avg: -
#2585 of 2596
Bottom 0.5% in <100M tier
2561
Asset Growth Rate
growth
Value:
-18.85%
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2558
Deposit Growth Rate
growth
Value:
-22.05%
Peer Avg: -
#2558 of 2596
Bottom 1.5% in <100M tier
2548
Return on Assets (ROA)
profitability
Value:
-3.27%
Peer Avg: -
#2548 of 2596
Bottom 1.9% in <100M tier
2520
Efficiency Ratio
profitability
Value:
136.62%
Peer Avg: -
#2520 of 2596
Bottom 3.0% in <100M tier
2480
Average Member Relationship (AMR)
engagement
Value:
$2,869
Peer Avg: -
#2480 of 2596
Bottom 4.5% in <100M tier
2475
Total Assets
balance_sheet
Value:
$769,332
Peer Avg: -
#2475 of 2596
Bottom 4.7% in <100M tier
2474
Member Growth Rate
growth
Value:
-11.19%
Peer Avg: -
#2474 of 2596
Bottom 4.7% in <100M tier
2467
Total Delinquency Rate (60+ days)
risk
Value:
5.73%
Peer Avg: -
#2467 of 2596
Bottom 5.0% in <100M tier
2462
Total Deposits
balance_sheet
Value:
$677,782
Peer Avg: -
#2462 of 2596
Bottom 5.2% in <100M tier