BlastPoint's Credit Union Scorecard
CITIZENS CHOICE
Charter #17715 · MS
CITIZENS CHOICE has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 8.03% above tier average
- + Net Interest Margin 3.20% above tier average
- + Strong member growth: 21.9% YoY
- + Member Growth Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 92.00% above tier (higher cost structure)
- - Delinquency rate 4.11% above tier average
- - Net Worth Ratio: Bottom 0.2% in tier
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - AMR Growth Rate: Bottom 1.9% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 3.1% in tier
- - Total Assets: Bottom 3.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits -0.8% year over year ($676K in shares and deposits).
- Membership: 457 members, +21.9% vs a year ago.
- Delinquency rate 5.66%.
- Return on assets 9.53%.
- Efficiency ratio 180.76% vs a 88.77% peer average.
- Loan-to-share ratio 49.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
457
+21.9% YoY+16.0% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 12.4% in tier |
| Assets |
$678,620
-12.9% YoY-2.7% QoQ
|
$-29.6M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.7% in tier |
| Loans |
$331,287
-7.5% YoY-0.4% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.5% in tier |
| Deposits |
$675,842
-0.8% YoY+0.1% QoQ
|
$-25.1M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.7% in tier |
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| ROA |
9.5%
-433.7% YoY-241.7% QoQ
|
+8.0% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Top 0.8% in tier |
| NIM |
7.1%
+6.7% YoY-3.1% QoQ
|
+3.2% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
180.8%
+30.5% YoY+0.0% QoQ
|
+92.0% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate |
5.7%
-14.7% YoY-42.5% QoQ
|
+4.1 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.6% in tier |
| Loan To Share |
49.0%
-6.7% YoY-0.5% QoQ
|
-9.9% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$2,204
-20.5% YoY-13.8% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.0% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)