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 0.50% above tier average
- + Net Interest Margin 1.53% above tier average
- + Strong member growth: 8.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.1% in tier
- + Member Growth Rate: Top 3.5% in tier
- + Fee Income Per Member: Top 3.9% in tier
- + Total Loans: Top 5.2% in tier
- + Net Worth Ratio: Top 6.8% in tier
- + Total Assets: Top 7.4% in tier
- + Loan-to-Share Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.30% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,428
+8.5% YoY-2.4% QoQ
|
+7.8K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Top 1.1% in tier |
| Assets |
$80.8M
+0.4% YoY+2.0% QoQ
|
+$50.6M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Top 7.5% in tier |
| Loans |
$50.6M
+3.1% YoY+0.0% QoQ
|
+$34.8M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Top 5.2% in tier |
| Deposits |
$54.9M
+1.3% YoY+4.0% QoQ
|
+$29.2M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
84% |
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 |
1.1%
-0.5% YoY+22.6% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
5.5%
+6.4% YoY+1.7% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 7.3% in tier |
| Efficiency Ratio |
83.9%
+13.0% YoY-1.4% QoQ
|
+1.3% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.9%
-37.9% YoY-21.8% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
92.1%
+1.8% YoY-3.8% QoQ
|
+31.5% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 8.4% in tier |
| AMR |
$10,117
-5.9% YoY+4.6% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
7.1%
-36.2% YoY+9.7% QoQ
|
-17.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)