BlastPoint's Credit Union Scorecard
CHOCTAW
Charter #22314 · MS
2556 CUs in <100M nationally
41 in MS
CHOCTAW has 11 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.66% above tier average
- + Net Interest Margin 2.72% above tier average
- + Strong member growth: 5.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.0% in tier
- + Member Growth Rate: Top 5.8% in tier
- + Asset Growth Rate: Top 7.2% in tier
- + AMR Growth Rate: Top 7.6% in tier
- + Net Worth Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.38% above tier average
- - Average Member Relationship (AMR): Bottom 2.4% in tier
- - Net Charge-Off Rate: Bottom 3.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,095
+5.2% YoY+1.4% QoQ
|
-520 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$2.9M
+11.0% YoY+3.5% QoQ
|
$-27.3M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.2% in tier |
| Loans |
$1.8M
+28.1% YoY+4.8% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$2.1M
+9.4% YoY+7.6% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
3.3%
-181.2% YoY-50.8% QoQ
|
+2.7% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Top 1.1% in tier |
| NIM |
6.7%
-7.1% YoY+3.6% QoQ
|
+2.7% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
67.0%
-47.6% YoY+17.7% QoQ
|
-15.5% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
2.9%
+6.1% YoY-52.1% QoQ
|
+1.4 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 13.4% in tier |
| Loan To Share |
87.5%
+17.0% YoY-2.6% QoQ
|
+26.9% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 12.7% in tier |
| AMR |
$1,850
+11.6% YoY+4.9% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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 (15 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
29
Return on Assets (ROA)
profitability
Value:
3.29%
Peer Median: -
#29 of 2556
Top 1.1% in <100M tier
45
Net Interest Margin (NIM)
profitability
Value:
6.68%
Peer Median: -
#45 of 2556
Top 1.7% in <100M tier
51
Loan Growth Rate
growth
Value:
28.06%
Peer Median: -
#51 of 2556
Top 2.0% in <100M tier
148
Member Growth Rate
growth
Value:
5.22%
Peer Median: -
#148 of 2556
Top 5.8% in <100M tier
186
Asset Growth Rate
growth
Value:
11.05%
Peer Median: -
#186 of 2556
Top 7.2% in <100M tier
196
AMR Growth Rate
growth
Value:
11.57%
Peer Median: -
#196 of 2556
Top 7.6% in <100M tier
200
Net Worth Ratio
risk
Value:
27.80%
Peer Median: -
#200 of 2556
Top 7.8% in <100M tier
Top Weaknesses (7 metrics)
2495
Average Member Relationship (AMR)
engagement
Value:
$1,850
Peer Median: -
#2495 of 2556
Bottom 2.4% in <100M tier
2479
Net Charge-Off Rate
risk
Value:
3.20%
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2428
Loan-to-Member Ratio (LMR)
engagement
Value:
$863.78
Peer Median: -
#2428 of 2556
Bottom 5.0% in <100M tier
2256
Total Deposits
balance_sheet
Value:
$2.07M
Peer Median: -
#2256 of 2556
Bottom 11.8% in <100M tier
2243
Total Assets
balance_sheet
Value:
$2.86M
Peer Median: -
#2243 of 2556
Bottom 12.3% in <100M tier
2215
Total Delinquency Rate (60+ days)
risk
Value:
2.94%
Peer Median: -
#2215 of 2556
Bottom 13.4% in <100M tier
2137
Total Loans
balance_sheet
Value:
$1.81M
Peer Median: -
#2137 of 2556
Bottom 16.4% in <100M tier