BlastPoint's Credit Union Scorecard

ISSAQUENA COUNTY

Charter #19253 · MS

<100M
2508 CUs in <100M nationally 42 in MS

ISSAQUENA COUNTY has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?
MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 5.62% above tier average
  • + Net Interest Margin 9.02% above tier average
  • + Net Charge-Off Rate: Top 0.1% in tier
  • + Efficiency Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 10.84% above tier average
  • - Deposit Growth Rate: Bottom 1.2% in tier
  • - Asset Growth Rate: Bottom 1.3% in tier
  • - AMR Growth Rate: Bottom 1.4% in tier
  • - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
  • - Average Member Relationship (AMR): Bottom 3.1% in tier
  • - Loan Growth Rate: Bottom 3.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 524
+0.4% YoY+0.2% QoQ
 -2.2K 2,676
+1.6% YoY
 14,925
+15.2% YoY
 33,913
+5.7% YoY
 Bottom 14.2% in tier
Assets $904,586
-18.2% YoY-7.1% QoQ
 $-29.3M $30.2M
+1.3% YoY
 $177.9M
+19.7% YoY
 $578.3M
+9.0% YoY
 Bottom 4.7% in tier
Loans $333,621
-26.9% YoY-10.0% QoQ
 $-14.9M $15.3M
-2.0% YoY
 $116.7M
+17.0% YoY
 $402.4M
+8.7% YoY
 Bottom 5.7% in tier
Deposits $773,478
-21.0% YoY-9.4% QoQ
 $-25.0M $25.8M
+0.7% YoY
 $143.1M
+20.8% YoY
 $494.3M
+9.1% YoY
 Bottom 5.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 5.8%
-452.0% YoY-563.6% QoQ
 +5.6% 0.1%
-77.6% YoY
 -8.8%
-1402.3% YoY
 0.4%
-39.2% YoY
 Top 0.4% in tier
NIM 13.0%
+135.1% YoY+122.5% QoQ
 +9.0% 4.0%
+4.0% YoY
 4.5%
+3.7% YoY
 3.8%
+4.1% YoY
 Top 0.2% in tier
Efficiency Ratio 57.9%
-54.3% YoY-51.5% QoQ
 -32.8% 90.6%
+6.5% YoY
 182.9%
+107.2% YoY
 84.6%
+2.8% YoY
 Top 9.9% in tier
Delinquency Rate 12.3%
-20.7% YoY-45.0% QoQ
 +10.8 1.5%
+3.8% YoY
 2.1%
+3.6% YoY
 1.2%
+3.4% YoY
 Bottom 1.7% in tier
Loan To Share 43.1%
-7.5% YoY-0.7% QoQ
 -15.4% 58.5%
-3.0% YoY
 65.1%
-3.9% YoY
 65.6%
-1.4% YoY
 26%
AMR $2,113
-23.1% YoY-9.8% QoQ
 $-13K $14,884
-1.7% YoY
 $12,313
+3.4% YoY
 $19,920
+1.6% YoY
 Bottom 3.0% in tier
CD Concentration 0.0% -24.3% 24.3% 19.6% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.4% 7.7% 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)

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

1
Net Charge-Off Rate
risk
Value: -15.43%
Peer Median: 0.07%
#1 of 2508 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
6
Net Interest Margin (NIM)
profitability
Value: 13.03%
Peer Median: 3.83%
#6 of 2508 Top 0.2% in <100M tier
11
Return on Assets (ROA)
profitability
Value: 5.76%
Peer Median: 0.61%
#11 of 2508 Top 0.4% in <100M tier
249
Efficiency Ratio
profitability
Value: 57.86%
Peer Median: 81.45%
#249 of 2508 Top 9.9% in <100M tier

Top Weaknesses (12 metrics)

2478
Deposit Growth Rate
growth
Value: -20.96%
Peer Median: 0.66%
#2478 of 2508 Bottom 1.2% in <100M tier
2477
Asset Growth Rate
growth
Value: -18.19%
Peer Median: 1.30%
#2477 of 2508 Bottom 1.3% in <100M tier
2475
AMR Growth Rate
growth
Value: -23.14%
Peer Median: 1.27%
#2475 of 2508 Bottom 1.4% in <100M tier
2467
Total Delinquency Rate (60+ days)
risk
Value: 12.35%
Peer Median: 0.65%
#2467 of 2508 Bottom 1.7% in <100M tier
2432
Average Member Relationship (AMR)
engagement
Value: $2,113
Peer Median: $13,926
#2432 of 2508 Bottom 3.1% in <100M tier
2427
Loan Growth Rate
growth
Value: -26.88%
Peer Median: -2.36%
#2427 of 2508 Bottom 3.3% in <100M tier
2398
Loan-to-Member Ratio (LMR)
engagement
Value: $636.68
Peer Median: $4,923
#2398 of 2508 Bottom 4.4% in <100M tier
2390
Total Assets
balance_sheet
Value: $904,586
Peer Median: $21.86M
#2390 of 2508 Bottom 4.7% in <100M tier
2372
Total Deposits
balance_sheet
Value: $773,478
Peer Median: $18.77M
#2372 of 2508 Bottom 5.5% in <100M tier
2365
Total Loans
balance_sheet
Value: $333,621
Peer Median: $9.48M
#2365 of 2508 Bottom 5.7% in <100M tier
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