BlastPoint's Credit Union Scorecard
1ST MISSISSIPPI
Charter #21073 · MS
1ST MISSISSIPPI has 11 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 1.45% above tier average
- + Strong member growth: 10.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.0% in tier
- + Member Growth Rate: Top 3.3% in tier
- + Fee Income Per Member: Top 4.7% in tier
- + Total Loans: Top 5.2% in tier
- + Loan-to-Share Ratio: Top 6.5% in tier
- + Net Worth Ratio: Top 6.6% in tier
- + Total Assets: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.64% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,689
+10.0% YoY+2.1% QoQ
|
+8.1K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Top 1.1% in tier |
| Assets |
$79.2M
+1.4% YoY-1.2% QoQ
|
+$49.4M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Top 7.9% in tier |
| Loans |
$50.6M
+3.8% YoY-0.6% QoQ
|
+$34.8M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Top 5.3% in tier |
| Deposits |
$52.8M
+0.7% YoY-2.3% QoQ
|
+$27.3M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
0.9%
-18.5% YoY+52.3% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
5.4%
+5.0% YoY+3.3% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 8.7% in tier |
| Efficiency Ratio |
85.0%
+14.8% YoY-0.5% QoQ
|
+3.6% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.1%
-34.0% YoY-35.6% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
95.8%
+3.1% YoY+1.8% QoQ
|
+34.6% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Top 6.7% in tier |
| AMR |
$9,670
-7.1% YoY-3.5% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
6.4%
-8.6% YoY-0.3% QoQ
|
-18.0% |
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)