BlastPoint's Credit Union Scorecard
FERGUSON
Charter #18515 · MS
FERGUSON has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 0.9% in tier
- + Total Loans: Top 1.2% in tier
- + Total Members: Top 1.2% in tier
- + Total Assets: Top 2.0% in tier
- + Fee Income Per Member: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Efficiency ratio 7.24% above tier (higher cost structure)
- - Delinquency rate 3.21% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
- - Share Certificate Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,272
-0.3% YoY-3.8% QoQ
|
+7.7K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Top 1.2% in tier |
| Assets |
$94.6M
-5.7% YoY+0.0% QoQ
|
+$64.5M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Top 2.0% in tier |
| Loans |
$64.7M
+0.7% YoY+2.1% QoQ
|
+$49.0M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Top 1.2% in tier |
| Deposits |
$85.6M
+0.2% YoY+0.9% QoQ
|
+$59.9M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Top 1.0% in tier |
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| ROA |
-0.5%
-27.0% YoY-0.3% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.5% in tier |
| NIM |
4.6%
+39.5% YoY+3.8% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
89.8%
-6.6% YoY+2.1% QoQ
|
+7.2% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
4.8%
+32.6% YoY+55.9% QoQ
|
+3.2 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 6.6% in tier |
| Loan To Share |
75.6%
+0.5% YoY+1.2% QoQ
|
+15.0% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$14,635
+0.7% YoY+5.4% QoQ
|
$-148 |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
38.7%
+22.6% YoY+2.6% QoQ
|
+14.3% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)