BlastPoint's Credit Union Scorecard
CHOCTAW
Charter #22314 · MS
<100M
2508 CUs in <100M nationally
42 in MS
CHOCTAW has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.56% above tier average
- + Net Worth Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 4.73% below tier average
- - Efficiency ratio 40.53% above tier (higher cost structure)
- - Delinquency rate 0.41% above tier average
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,064
+2.5% YoY-1.5% QoQ
|
-612 |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$2.9M
-5.5% YoY+3.0% QoQ
|
$-27.2M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.5% in tier |
| Loans |
$1.7M
+9.9% YoY-3.3% QoQ
|
$-13.5M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$2.2M
-1.2% YoY+6.3% QoQ
|
$-23.6M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.0% in tier |
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| ROA |
-4.6%
-116.2% YoY-239.4% QoQ
|
-4.7% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.8% in tier |
| NIM |
6.6%
+17.1% YoY-1.6% QoQ
|
+2.6% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
131.2%
+353.7% YoY+95.7% QoQ
|
+40.5% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate |
1.9%
-39.8% YoY-35.0% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
79.7%
+11.2% YoY-9.0% QoQ
|
+21.2% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$1,912
+0.9% YoY+3.3% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 50% |
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
49
Net Interest Margin (NIM)
profitability
Value:
6.57%
Peer Median: 3.83%
#49 of 2508
Top 1.9% in <100M tier
241
Net Worth Ratio
risk
Value:
25.86%
Peer Median: 14.28%
#241 of 2508
Top 9.6% in <100M tier
258
Loan Growth Rate
growth
Value:
9.93%
Peer Median: -2.36%
#258 of 2508
Top 10.2% in <100M tier
331
Members Per Employee (MPE)
engagement
Value:
516.000
Peer Median: 333.750
#331 of 2508
Top 13.2% in <100M tier
340
Member Growth Rate
growth
Value:
2.53%
Peer Median: -1.37%
#340 of 2508
Top 13.5% in <100M tier
470
Loan-to-Share Ratio
balance_sheet
Value:
79.67%
Peer Median: 58.72%
#470 of 2508
Top 18.7% in <100M tier
Top Weaknesses (10 metrics)
2462
Return on Assets (ROA)
profitability
Value:
-4.58%
Peer Median: 0.61%
#2462 of 2508
Bottom 1.9% in <100M tier
2443
Average Member Relationship (AMR)
engagement
Value:
$1,912
Peer Median: $13,926
#2443 of 2508
Bottom 2.6% in <100M tier
2410
Net Charge-Off Rate
risk
Value:
3.06%
Peer Median: 0.07%
#2410 of 2508
Bottom 3.9% in <100M tier
2397
Efficiency Ratio
profitability
Value:
131.16%
Peer Median: 81.45%
#2397 of 2508
Bottom 4.5% in <100M tier
2379
Loan-to-Member Ratio (LMR)
engagement
Value:
$847.73
Peer Median: $4,923
#2379 of 2508
Bottom 5.2% in <100M tier
2207
Total Deposits
balance_sheet
Value:
$2.20M
Peer Median: $18.77M
#2207 of 2508
Bottom 12.0% in <100M tier
2197
Asset Growth Rate
growth
Value:
-5.50%
Peer Median: 1.30%
#2197 of 2508
Bottom 12.4% in <100M tier
2195
Total Assets
balance_sheet
Value:
$2.95M
Peer Median: $21.86M
#2195 of 2508
Bottom 12.5% in <100M tier
2098
Total Loans
balance_sheet
Value:
$1.75M
Peer Median: $9.48M
#2098 of 2508
Bottom 16.4% in <100M tier
2007
Total Delinquency Rate (60+ days)
risk
Value:
1.91%
Peer Median: 0.65%
#2007 of 2508
Bottom 20.0% in <100M tier