BlastPoint's Credit Union Scorecard
FERGUSON
Charter #18515 · MS
FERGUSON has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.98% above tier average
- + Total Loans: Top 0.5% in tier
- + Total Members: Top 1.3% in tier
- + Total Deposits: Top 1.4% in tier
- + Total Assets: Top 1.8% in tier
- + Fee Income Per Member: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.44% below tier average
- - Efficiency ratio 1.05% above tier (higher cost structure)
- - Delinquency rate 2.25% above tier average
- - Member decline: -4.3% YoY
- - Share Certificate Concentration (%): Bottom 8.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% 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 -1.9% year over year ($83.1M in shares and deposits).
- Membership: 10,070 members, -4.3% vs a year ago.
- Delinquency rate 3.79%.
- Return on assets 0.05%.
- Efficiency ratio 89.81% vs a 88.77% peer average.
- Loan-to-share ratio 81.23% 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 |
10,070
-4.3% YoY+0.1% QoQ
|
+7.5K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 1.3% in tier |
| Assets |
$94.2M
+0.2% YoY-2.0% QoQ
|
+$64.0M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
Top 1.8% in tier |
| Loans |
$67.5M
+7.4% YoY+2.2% QoQ
|
+$52.1M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Top 0.6% in tier |
| Deposits |
$83.1M
-1.9% YoY-3.4% QoQ
|
+$57.3M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Top 1.5% in tier |
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| ROA |
0.0%
-104.5% YoY-83.2% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.5% in tier |
| NIM |
4.9%
+13.0% YoY+4.9% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 13.7% in tier |
| Efficiency Ratio |
89.8%
+3.0% YoY-0.5% QoQ
|
+1.0% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
3.8%
-5.6% YoY+47.4% QoQ
|
+2.2 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.8% in tier |
| Loan To Share |
81.2%
+9.5% YoY+5.8% QoQ
|
+22.3% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$14,958
+6.7% YoY-1.0% QoQ
|
$-5 |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
38.8%
+4.2% YoY-0.5% QoQ
|
+14.2% | 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)