BlastPoint's Credit Union Scorecard
CHOCTAW
Charter #22314 · MS
2596 CUs in <100M nationally
41 in MS
CHOCTAW has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.00% above tier average
- + Net Interest Margin 2.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.0% in tier
- + Net Worth Ratio: Top 5.6% in tier
- + Loan Growth Rate: Top 5.9% in tier
- + Member Growth Rate: Top 7.1% in tier
- + Fee Income Per Member: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.62% above tier average
- - Average Member Relationship (AMR): Bottom 2.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
- - Net Charge-Off Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,067
+4.7% YoY+1.8% QoQ
|
-558 |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$2.8M
+1.6% YoY-5.8% QoQ
|
$-27.1M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.5% in tier |
| Loans |
$1.7M
+15.2% YoY+5.3% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$1.9M
-4.5% YoY-6.2% QoQ
|
$-23.5M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.6% in tier |
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| ROA |
6.7%
-270.0% YoY-45.4% QoQ
|
+6.0% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.5% in tier |
| NIM |
6.4%
-7.4% YoY+10.1% QoQ
|
+2.5% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
56.9%
-58.8% YoY+21.2% QoQ
|
-24.5% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
6.1%
+74.2% YoY+7.2% QoQ
|
+4.6 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 4.4% in tier |
| Loan To Share |
89.9%
+20.6% YoY+12.2% QoQ
|
+28.7% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Top 11.0% in tier |
| AMR |
$1,764
-0.8% YoY-2.8% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.4% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
12
Return on Assets (ROA)
profitability
Value:
6.68%
Peer Avg: -
#12 of 2596
Top 0.4% in <100M tier
67
Net Interest Margin (NIM)
profitability
Value:
6.44%
Peer Avg: -
#67 of 2596
Top 2.5% in <100M tier
130
Members Per Employee (MPE)
engagement
Value:
689.000
Peer Avg: -
#130 of 2596
Top 5.0% in <100M tier
147
Net Worth Ratio
risk
Value:
30.58%
Peer Avg: -
#147 of 2596
Top 5.6% in <100M tier
154
Loan Growth Rate
growth
Value:
15.20%
Peer Avg: -
#154 of 2596
Top 5.9% in <100M tier
186
Member Growth Rate
growth
Value:
4.71%
Peer Avg: -
#186 of 2596
Top 7.1% in <100M tier
214
Fee Income Per Member
profitability
Value:
$185.70
Peer Avg: -
#214 of 2596
Top 8.2% in <100M tier
Top Weaknesses (8 metrics)
2534
Average Member Relationship (AMR)
engagement
Value:
$1,764
Peer Avg: -
#2534 of 2596
Bottom 2.4% in <100M tier
2483
Total Delinquency Rate (60+ days)
risk
Value:
6.13%
Peer Avg: -
#2483 of 2596
Bottom 4.4% in <100M tier
2455
Loan-to-Member Ratio (LMR)
engagement
Value:
$835.09
Peer Avg: -
#2455 of 2596
Bottom 5.5% in <100M tier
2440
Net Charge-Off Rate
risk
Value:
1.92%
Peer Avg: -
#2440 of 2596
Bottom 6.0% in <100M tier
2294
Total Deposits
balance_sheet
Value:
$1.92M
Peer Avg: -
#2294 of 2596
Bottom 11.7% in <100M tier
2272
Total Assets
balance_sheet
Value:
$2.77M
Peer Avg: -
#2272 of 2596
Bottom 12.5% in <100M tier
2184
Total Loans
balance_sheet
Value:
$1.73M
Peer Avg: -
#2184 of 2596
Bottom 15.9% in <100M tier
2096
Deposit Growth Rate
growth
Value:
-4.50%
Peer Avg: -
#2096 of 2596
Bottom 19.3% in <100M tier