BlastPoint's Credit Union Scorecard
MAGNOLIA
Charter #224 · MS
MAGNOLIA has 13 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 1.7% in tier
- + Organic Growth Engine: Top 8.1% in tier
- + Wallet Share Momentum: Top 61.7% in tier
- + ROA 2.54% above tier average
- + Net Interest Margin 2.04% above tier average
- + Strong member growth: 5.4% YoY
- + Fee Income Per Member: Top 1.4% in tier
- + Net Worth Ratio: Top 1.8% in tier
- + Efficiency Ratio: Top 2.2% in tier
- + First Mortgage Concentration (%): Top 3.2% in tier
- + Asset Growth Rate: Top 6.8% in tier
- + Loan Growth Rate: Top 7.0% in tier
- + Member Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.3% in tier
- - Liquidity Overhang: Bottom 49.2% in tier
- - Average Member Relationship (AMR): Bottom 2.2% in tier
- - Net Charge-Off Rate: Bottom 2.8% in tier
- - Indirect Auto Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,178
+5.4% YoY-1.2% QoQ
|
+5.7K |
15,437
-2.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$178.5M
+12.4% YoY+2.7% QoQ
|
$-53.3M |
$231.9M
+1.3% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$119.8M
+15.4% YoY-2.1% QoQ
|
$-27.5M |
$147.3M
-0.1% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$134.8M
+10.5% YoY+0.5% QoQ
|
$-66.0M |
$200.8M
+0.8% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
3.3%
+56.7% YoY+14.0% QoQ
|
+2.5% |
0.8%
+18.2% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Top 0.2% in tier |
| NIM |
5.6%
-4.8% YoY+1.2% QoQ
|
+2.0% |
3.6%
+6.7% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
51.7%
-14.5% YoY-5.3% QoQ
|
-25.3% |
77.0%
-3.1% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate |
0.6%
-1.5% YoY-9.3% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
88.9%
+4.4% YoY-2.7% QoQ
|
+16.6% |
72.2%
-1.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$12,023
+6.9% YoY+0.5% QoQ
|
$-13K |
$24,676
+3.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.2% in tier |
| CD Concentration |
16.1%
+61.8% YoY+8.3% QoQ
|
-8.3% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
37.4%
+21.2% YoY-2.5% QoQ
|
+23.6% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)