BlastPoint's Credit Union Scorecard
AMPOT
Charter #19538 · MS
AMPOT has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Strong member growth: 5.4% YoY
- + Member Growth Rate: Top 6.4% in tier
- + Members Per Employee (MPE): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 34.69% above tier (higher cost structure)
- - Delinquency rate 0.29% above tier average
- - Share Certificate Concentration (%): Bottom 3.4% in tier
- - Net Interest Margin (NIM): Bottom 4.5% 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 +1.2% year over year ($13.5M in shares and deposits).
- Membership: 2,207 members, +5.4% vs a year ago.
- Delinquency rate 1.84%.
- Return on assets 1.80%.
- Efficiency ratio 123.46% vs a 88.77% peer average.
- Loan-to-share ratio 57.93% 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 |
2,207
+5.4% YoY+1.6% QoQ
|
-378 |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$15.2M
+0.3% YoY-0.6% QoQ
|
$-15.1M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$7.8M
+3.5% YoY+3.1% QoQ
|
$-7.6M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$13.5M
+1.2% YoY-0.2% QoQ
|
$-12.3M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
43% |
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| ROA |
1.8%
-165.2% YoY-166.8% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Top 12.7% in tier |
| NIM |
2.2%
-2.5% YoY-2.2% QoQ
|
-1.7% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio |
123.5%
-38.8% YoY+8.3% QoQ
|
+34.7% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.6% in tier |
| Delinquency Rate |
1.8%
+21.9% YoY-2.4% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
57.9%
+2.3% YoY+3.4% QoQ
|
-1.0% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$9,670
-3.2% YoY-0.6% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
50.9%
+2.2% YoY+2.2% QoQ
|
+26.3% | 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)