AMPOT
Charter #19538 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in 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
|
54th in tier |
| 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
|
42nd in tier |
| 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
|
44th in tier |
| 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
|
43rd in tier |
| 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
|
72nd in tier |
| 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
|
43rd in tier |
| 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
|
28th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
118
Members Per Employee (MPE)
engagement
Value:
709.333
Peer Avg: 365.701
#118 of 2596
Top 4.5% in <100M tier
171
Member Growth Rate
growth
Value:
5.29%
Peer Avg: 14.92%
#171 of 2596
Top 6.5% in <100M tier
Top Weaknesses (8 metrics)
2507
Share Certificate Concentration (%)
balance_sheet
Value:
49.65%
Peer Avg: 15.37%
#2507 of 2596
Bottom 3.5% in <100M tier
2463
Efficiency Ratio
profitability
Value:
114.99%
Peer Avg: 81.39%
#2463 of 2596
Bottom 5.2% in <100M tier
2459
Net Interest Margin (NIM)
profitability
Value:
2.29%
Peer Avg: 3.93%
#2459 of 2596
Bottom 5.3% in <100M tier
2363
AMR Growth Rate
growth
Value:
-8.86%
Peer Avg: 4.67%
#2363 of 2596
Bottom 9.0% in <100M tier
2336
Return on Assets (ROA)
profitability
Value:
-0.38%
Peer Avg: 0.68%
#2336 of 2596
Bottom 10.1% in <100M tier
2274
Asset Growth Rate
growth
Value:
-5.68%
Peer Avg: 1.82%
#2274 of 2596
Bottom 12.4% in <100M tier
2115
Net Charge-Off Rate
risk
Value:
0.82%
Peer Avg: 0.57%
#2115 of 2596
Bottom 18.6% in <100M tier
2037
Deposit Growth Rate
growth
Value:
-3.96%
Peer Avg: 16.80%
#2037 of 2596
Bottom 21.6% in <100M tier