BlastPoint's Credit Union Scorecard
CITIZENS CHOICE
Charter #17715 · MS
2556 CUs in <100M nationally
41 in MS
CITIZENS CHOICE has 6 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.07% above tier average
- + Strong member growth: 6.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 4.38% below tier average
- - Efficiency ratio 57.01% above tier (higher cost structure)
- - Delinquency rate 7.88% above tier average
- - Net Worth Ratio: Bottom 0.3% in tier
- - Asset Growth Rate: Bottom 0.7% in tier
- - Deposit Growth Rate: Bottom 1.3% in tier
- - AMR Growth Rate: Bottom 1.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Total Assets: Bottom 4.0% in tier
- - Total Deposits: Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
- - Total Loans: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
405
+6.6% YoY+11.0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Bottom 11.2% in tier |
| Assets |
$668,140
-29.6% YoY-13.2% QoQ
|
$-29.5M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.9% in tier |
| Loans |
$366,548
-11.2% YoY-0.8% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.9% in tier |
| Deposits |
$640,871
-23.5% YoY-5.4% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.7% in tier |
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| ROA |
-3.8%
-28.1% YoY+15.0% QoQ
|
-4.4% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.3% in tier |
| NIM |
7.0%
+12.8% YoY+4.7% QoQ
|
+3.1% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
139.6%
-20.5% YoY+2.2% QoQ
|
+57.0% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Top 2.2% in tier |
| Delinquency Rate |
9.4%
+246.8% YoY+64.7% QoQ
|
+7.9 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 2.5% in tier |
| Loan To Share |
57.2%
+16.1% YoY+4.9% QoQ
|
-3.4% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$2,487
-24.4% YoY-13.3% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
34
Net Interest Margin (NIM)
profitability
Value:
7.02%
Peer Median: -
#34 of 2556
Top 1.3% in <100M tier
120
Member Growth Rate
growth
Value:
6.58%
Peer Median: -
#120 of 2556
Top 4.7% in <100M tier
Top Weaknesses (16 metrics)
2549
Net Worth Ratio
risk
Value:
3.93%
Peer Median: -
#2549 of 2556
Bottom 0.3% in <100M tier
2540
Asset Growth Rate
growth
Value:
-29.61%
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2524
Deposit Growth Rate
growth
Value:
-23.53%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2522
Return on Assets (ROA)
profitability
Value:
-3.76%
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2522
AMR Growth Rate
growth
Value:
-24.43%
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2500
Efficiency Ratio
profitability
Value:
139.57%
Peer Median: -
#2500 of 2556
Bottom 2.2% in <100M tier
2494
Total Delinquency Rate (60+ days)
risk
Value:
9.43%
Peer Median: -
#2494 of 2556
Bottom 2.5% in <100M tier
2465
Average Member Relationship (AMR)
engagement
Value:
$2,487
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier
2456
Total Assets
balance_sheet
Value:
$668,140
Peer Median: -
#2456 of 2556
Bottom 4.0% in <100M tier
2436
Total Deposits
balance_sheet
Value:
$640,871
Peer Median: -
#2436 of 2556
Bottom 4.7% in <100M tier