BlastPoint's Credit Union Scorecard
AMPOT
Charter #19538 · MS
AMPOT has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Member Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 2.85% below tier average
- - Efficiency ratio 23.38% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - Share Certificate Concentration (%): Bottom 3.7% in tier
- - Net Interest Margin (NIM): Bottom 5.2% in tier
- - AMR Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,173
+4.9% YoY+1.3% QoQ
|
-503 |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$15.3M
-4.4% YoY+1.0% QoQ
|
$-14.9M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
41% |
| Loans |
$7.6M
-3.1% YoY-0.8% QoQ
|
$-7.7M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$13.5M
-4.4% YoY+1.8% QoQ
|
$-12.2M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
-2.7%
-16.9% YoY+257.0% QoQ
|
-2.9% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.6% in tier |
| NIM |
2.2%
-1.9% YoY+0.8% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.2% in tier |
| Efficiency Ratio |
114.0%
+0.4% YoY-8.6% QoQ
|
+23.4% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate |
1.9%
+66.0% YoY+28.0% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
56.0%
+1.3% YoY-2.5% QoQ
|
-2.5% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$9,725
-8.4% YoY-0.4% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration |
49.8%
-0.8% YoY+0.5% QoQ
|
+25.5% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)