BlastPoint's Credit Union Scorecard
ISSAQUENA COUNTY
Charter #19253 · MS
2596 CUs in <100M nationally
41 in MS
ISSAQUENA COUNTY has 4 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.03% 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 0.69% below tier average
- - Efficiency ratio 18.71% above tier (higher cost structure)
- - Delinquency rate 10.75% above tier average
- - Net Charge-Off Rate: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- - Asset Growth Rate: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
- - Total Assets: Bottom 5.8% in tier
- - Total Deposits: Bottom 6.7% in tier
- - Total Loans: Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
523
+1.6% YoY0% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Bottom 14.4% in tier |
| Assets |
$1.0M
-12.4% YoY-2.7% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.7% in tier |
| Loans |
$430,747
-12.7% YoY-3.6% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.7% in tier |
| Deposits |
$903,281
-12.7% YoY-2.6% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.7% in tier |
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| ROA |
-0.0%
-99.9% YoY-101.0% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
7.0%
+60.3% YoY-4.7% QoQ
|
+3.0% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 1.5% in tier |
| Efficiency Ratio |
100.1%
-4.2% YoY+10.7% QoQ
|
+18.7% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Top 10.8% in tier |
| Delinquency Rate |
12.3%
-33.5% YoY+14.2% QoQ
|
+10.7 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 1.9% in tier |
| Loan To Share |
47.7%
+0.1% YoY-1.0% QoQ
|
-13.5% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$2,551
-14.0% YoY-2.9% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
38
Net Interest Margin (NIM)
profitability
Value:
6.96%
Peer Avg: -
#38 of 2596
Top 1.4% in <100M tier
506
Member Growth Rate
growth
Value:
1.55%
Peer Avg: -
#506 of 2596
Top 19.5% in <100M tier
Top Weaknesses (15 metrics)
2585
Net Charge-Off Rate
risk
Value:
20.68%
Peer Avg: -
#2585 of 2596
Bottom 0.5% in <100M tier
2547
Total Delinquency Rate (60+ days)
risk
Value:
12.26%
Peer Avg: -
#2547 of 2596
Bottom 1.9% in <100M tier
2511
Asset Growth Rate
growth
Value:
-12.38%
Peer Avg: -
#2511 of 2596
Bottom 3.3% in <100M tier
2495
Average Member Relationship (AMR)
engagement
Value:
$2,551
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2485
AMR Growth Rate
growth
Value:
-14.04%
Peer Avg: -
#2485 of 2596
Bottom 4.3% in <100M tier
2476
Deposit Growth Rate
growth
Value:
-12.73%
Peer Avg: -
#2476 of 2596
Bottom 4.7% in <100M tier
2457
Loan-to-Member Ratio (LMR)
engagement
Value:
$823.61
Peer Avg: -
#2457 of 2596
Bottom 5.4% in <100M tier
2447
Total Assets
balance_sheet
Value:
$1.04M
Peer Avg: -
#2447 of 2596
Bottom 5.8% in <100M tier
2423
Total Deposits
balance_sheet
Value:
$903,281
Peer Avg: -
#2423 of 2596
Bottom 6.7% in <100M tier
2422
Total Loans
balance_sheet
Value:
$430,747
Peer Avg: -
#2422 of 2596
Bottom 6.7% in <100M tier