BlastPoint's Credit Union Scorecard
AMPOT
Charter #19538 · MS
AMPOT has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.5% in tier
- + Member Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Efficiency ratio 33.60% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 3.5% in tier
- - Net Interest Margin (NIM): Bottom 5.3% in tier
- - AMR Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,128
+5.3% YoY+1.6% QoQ
|
-497 |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$15.3M
-5.7% YoY+0.6% QoQ
|
$-14.6M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$7.6M
-4.2% YoY+1.0% QoQ
|
$-8.1M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$13.4M
-4.0% YoY+0.5% QoQ
|
$-12.0M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
-0.4%
-142.6% YoY-86.2% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.0% in tier |
| NIM |
2.3%
-38.9% YoY+2.7% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
115.0%
+47.3% YoY-43.0% QoQ
|
+33.6% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Top 5.2% in tier |
| Delinquency Rate |
1.5%
-34.1% YoY-0.0% QoQ
|
-0.0 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
56.9%
-0.2% YoY+0.5% QoQ
|
-4.3% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$9,896
-8.9% YoY-1.0% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
49.7%
+1.1% YoY-0.3% QoQ
|
+25.2% |
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)
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)