BlastPoint's Credit Union Scorecard
ISSAQUENA COUNTY
Charter #19253 · MS
ISSAQUENA COUNTY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 5.83% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 7.39% above tier average
- - Asset Growth Rate: Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.5% in tier
- - AMR Growth Rate: Bottom 1.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Average Member Relationship (AMR): Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.3% 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 -20.3% year over year ($739K in shares and deposits).
- Membership: 524 members, +0.2% vs a year ago.
- Delinquency rate 8.94%.
- Return on assets 2.47%.
- Efficiency ratio 75.93% vs a 88.77% peer average.
- Loan-to-share ratio 43.82% 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 |
524
+0.2% YoY0% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 14.2% in tier |
| Assets |
$869,854
-18.3% YoY-3.8% QoQ
|
$-29.4M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.4% in tier |
| Loans |
$323,932
-27.5% YoY-2.9% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.4% in tier |
| Deposits |
$739,233
-20.3% YoY-4.4% QoQ
|
$-25.1M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.1% in tier |
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| ROA |
2.5%
+227.2% YoY-57.1% QoQ
|
+1.0% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Top 5.8% in tier |
| NIM |
9.7%
+33.2% YoY-25.3% QoQ
|
+5.8% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
75.9%
-16.1% YoY+31.2% QoQ
|
-12.8% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
8.9%
-16.7% YoY-27.6% QoQ
|
+7.4 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.5% in tier |
| Loan To Share |
43.8%
-9.0% YoY+1.6% QoQ
|
-15.1% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$2,029
-22.8% YoY-4.0% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.5% in tier |
| CD Concentration | 0.0% | -24.6% | 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)