BlastPoint's Credit Union Scorecard
FERGUSON
Charter #18515 · MS
FERGUSON has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 1.0% in tier
- + Total Members: Top 1.1% in tier
- + Total Loans: Top 1.4% in tier
- + Total Assets: Top 2.0% in tier
- + Fee Income Per Member: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Efficiency ratio 6.56% above tier (higher cost structure)
- - Delinquency rate 1.55% above tier average
- - Share Certificate Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,676
+3.5% YoY+1.4% QoQ
|
+8.1K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Top 1.1% in tier |
| Assets |
$94.6M
+3.3% YoY+0.6% QoQ
|
+$64.8M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Top 2.0% in tier |
| Loans |
$63.4M
+6.7% YoY+0.9% QoQ
|
+$47.6M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Top 1.5% in tier |
| Deposits |
$84.9M
+4.5% YoY+0.2% QoQ
|
+$59.4M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Top 1.1% in tier |
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| ROA |
-0.5%
-38.7% YoY-56.0% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.2% in tier |
| NIM |
4.4%
+29.4% YoY+2.3% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
87.9%
-9.3% YoY+0.8% QoQ
|
+6.6% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
3.1%
-8.0% YoY-24.0% QoQ
|
+1.5 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 11.6% in tier |
| Loan To Share |
74.7%
+2.1% YoY+0.7% QoQ
|
+13.5% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$13,887
+1.9% YoY-0.9% QoQ
|
$-739 |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration |
37.7%
+5.8% YoY+1.4% QoQ
|
+13.3% |
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)
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)