BlastPoint's Credit Union Scorecard
FERGUSON
Charter #18515 · MS
FERGUSON has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 0.65% above tier average
- + Total Deposits: Top 0.6% in tier
- + Total Loans: Top 0.6% in tier
- + Total Assets: Top 0.9% in tier
- + Total Members: Top 1.2% in tier
- + Fee Income Per Member: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.07% above tier average
- - Member decline: -3.2% YoY
- - Share Certificate Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,064
-3.2% YoY-2.0% QoQ
|
+7.4K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
Top 1.3% in tier |
| Assets |
$96.2M
+1.1% YoY+1.7% QoQ
|
+$66.0M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
Top 1.0% in tier |
| Loans |
$66.0M
+7.1% YoY+2.0% QoQ
|
+$50.8M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
Top 0.6% in tier |
| Deposits |
$86.1M
+1.0% YoY+0.5% QoQ
|
+$60.3M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Top 0.6% in tier |
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| ROA |
0.3%
-276.8% YoY-161.5% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
4.7%
+15.4% YoY+1.4% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
90.2%
+23.1% YoY+0.5% QoQ
|
-0.4% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
2.6%
-8.0% YoY-45.9% QoQ
|
+1.1 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.9% in tier |
| Loan To Share |
76.7%
+6.1% YoY+1.5% QoQ
|
+18.2% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$15,113
+7.0% YoY+3.3% QoQ
|
+$229 |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
39.0%
+4.5% YoY+0.7% QoQ
|
+14.7% | 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)