BlastPoint's Credit Union Scorecard
CITIZENS CHOICE
Charter #17715 · MS
CITIZENS CHOICE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.32% above tier average
Key Concerns
Areas that may need attention
- - ROA 6.87% below tier average
- - Efficiency ratio 90.12% above tier (higher cost structure)
- - Delinquency rate 8.33% above tier average
- - Net Worth Ratio: Bottom 0.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- - Average Member Relationship (AMR): Bottom 3.8% in tier
- - Asset Growth Rate: Bottom 3.9% in tier
- - Total Assets: Bottom 4.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
394
-0.3% YoY-2.7% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
Bottom 10.7% in tier |
| Assets |
$697,322
-11.0% YoY+4.4% QoQ
|
$-29.5M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.0% in tier |
| Loans |
$332,482
-11.6% YoY-9.3% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.7% in tier |
| Deposits |
$674,912
+0.4% YoY+5.3% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.9% in tier |
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| ROA |
-6.7%
+2342.9% YoY+78.7% QoQ
|
-6.9% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.2% in tier |
| NIM |
7.3%
+15.3% YoY+4.4% QoQ
|
+3.3% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
180.8%
+82.7% YoY+29.5% QoQ
|
+90.1% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
9.8%
+24.0% YoY+4.2% QoQ
|
+8.3 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.4% in tier |
| Loan To Share |
49.3%
-11.9% YoY-13.9% QoQ
|
-9.2% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$2,557
-3.7% YoY+2.8% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.7% in tier |
| CD Concentration | 0.0% | -24.3% | 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)