BlastPoint's Credit Union Scorecard
1ST MISSISSIPPI
Charter #21073 · MS
1ST MISSISSIPPI has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.29% above tier average
- + Total Members: Top 1.1% in tier
- + Fee Income Per Member: Top 1.5% in tier
- + Total Loans: Top 4.9% in tier
- + Total Assets: Top 6.4% in tier
- + Net Worth Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.76% below tier average
- - Net Charge-Off Rate: Bottom 7.3% 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 +6.2% year over year ($57.4M in shares and deposits).
- Membership: 10,813 members, +3.3% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.74%.
- Efficiency ratio 80.18% vs a 88.77% peer average.
- Loan-to-share ratio 87.31% 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 |
10,813
+3.3% YoY+1.7% QoQ
|
+8.2K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 1.1% in tier |
| Assets |
$82.8M
+3.2% YoY+1.1% QoQ
|
+$52.5M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
Top 6.5% in tier |
| Loans |
$50.1M
-1.4% YoY-0.2% QoQ
|
+$34.7M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Top 5.0% in tier |
| Deposits |
$57.4M
+6.2% YoY+1.3% QoQ
|
+$31.6M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Top 13.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+22.9% YoY+32.7% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
5.2%
-0.5% YoY-0.2% QoQ
|
+1.3% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 9.2% in tier |
| Efficiency Ratio |
80.2%
-6.2% YoY-9.0% QoQ
|
-8.6% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.8%
-54.1% YoY-23.9% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
87.3%
-7.2% YoY-1.4% QoQ
|
+28.4% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Top 11.5% in tier |
| AMR |
$9,946
-0.7% YoY-1.1% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
9.3%
+43.5% YoY+25.7% QoQ
|
-15.3% | 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)