BlastPoint's Credit Union Scorecard
ISSAQUENA COUNTY
Charter #19253 · MS
2556 CUs in <100M nationally
41 in MS
ISSAQUENA COUNTY has 4 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.90% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.86% below tier average
- - Efficiency ratio 36.70% above tier (higher cost structure)
- - Delinquency rate 20.89% above tier average
- - Net Charge-Off Rate: Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.7% in tier
- - AMR Growth Rate: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 3.2% in tier
- - Loan Growth Rate: Bottom 3.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
- - Total Assets: Bottom 5.2% in tier
- - Total Loans: Bottom 6.1% in tier
- - Total Deposits: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
523
-0.2% YoY0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Bottom 14.1% in tier |
| Assets |
$973,375
-18.0% YoY-6.0% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.1% in tier |
| Loans |
$370,804
-24.5% YoY-13.9% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.0% in tier |
| Deposits |
$853,845
-19.1% YoY-5.5% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.1% in tier |
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| ROA |
-1.2%
-78.3% YoY+15687.7% QoQ
|
-1.9% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.8% in tier |
| NIM |
5.9%
+71.6% YoY-15.9% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 4.6% in tier |
| Efficiency Ratio |
119.3%
-14.6% YoY+19.1% QoQ
|
+36.7% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
22.4%
-4.4% YoY+83.1% QoQ
|
+20.9 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 1.1% in tier |
| Loan To Share |
43.4%
-6.6% YoY-8.9% QoQ
|
-17.2% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$2,342
-20.7% YoY-8.2% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
117
Net Interest Margin (NIM)
profitability
Value:
5.86%
Peer Median: -
#117 of 2556
Top 4.5% in <100M tier
Top Weaknesses (16 metrics)
2531
Net Charge-Off Rate
risk
Value:
8.17%
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2530
Total Delinquency Rate (60+ days)
risk
Value:
22.44%
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2520
Asset Growth Rate
growth
Value:
-17.97%
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2513
Deposit Growth Rate
growth
Value:
-19.13%
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2512
AMR Growth Rate
growth
Value:
-20.68%
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2474
Average Member Relationship (AMR)
engagement
Value:
$2,342
Peer Median: -
#2474 of 2556
Bottom 3.2% in <100M tier
2463
Loan Growth Rate
growth
Value:
-24.49%
Peer Median: -
#2463 of 2556
Bottom 3.7% in <100M tier
2448
Efficiency Ratio
profitability
Value:
119.26%
Peer Median: -
#2448 of 2556
Bottom 4.3% in <100M tier
2439
Loan-to-Member Ratio (LMR)
engagement
Value:
$708.99
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2434
Return on Assets (ROA)
profitability
Value:
-1.24%
Peer Median: -
#2434 of 2556
Bottom 4.8% in <100M tier