BlastPoint's Credit Union Scorecard
MAGNOLIA
Charter #224 · MS
MAGNOLIA has 13 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 0.5% in tier
- + Organic Growth Engine: Top 1.4% in tier
- + Profitability Leader: Top 1.5% in tier
- + ROA 2.11% above tier average
- + Net Interest Margin 1.99% above tier average
- + Strong member growth: 9.1% YoY
- + Fee Income Per Member: Top 2.1% in tier
- + Net Worth Ratio: Top 2.3% in tier
- + First Mortgage Concentration (%): Top 3.4% in tier
- + Loan Growth Rate: Top 3.8% in tier
- + Efficiency Ratio: Top 4.0% in tier
- + Member Growth Rate: Top 4.0% in tier
- + Asset Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.7% in tier
- - Liquidity Strain: Bottom 18.3% in tier
- - Liquidity Overhang: Bottom 54.1% in tier
- - Average Member Relationship (AMR): Bottom 2.2% in tier
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - Indirect Auto Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,438
+9.1% YoY-17.9% QoQ
|
+5.8K |
15,628
-3.4% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$173.9M
+11.3% YoY-0.1% QoQ
|
$-57.4M |
$231.3M
-0.0% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$122.4M
+19.1% YoY+1.2% QoQ
|
$-25.4M |
$147.8M
-1.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$134.1M
+9.1% YoY+0.1% QoQ
|
$-66.2M |
$200.3M
-0.0% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
2.9%
+45.0% YoY-9.9% QoQ
|
+2.1% |
0.8%
+15.5% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.6% in tier |
| NIM |
5.6%
-5.9% YoY-2.6% QoQ
|
+2.0% |
3.6%
+6.9% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
54.6%
-7.8% YoY+2.8% QoQ
|
-22.7% |
77.3%
-3.0% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate |
0.7%
-16.0% YoY+10.7% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
91.3%
+9.2% YoY+1.1% QoQ
|
+18.6% |
72.7%
-1.5% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Top 13.4% in tier |
| AMR |
$11,966
+4.2% YoY+22.5% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.1% in tier |
| CD Concentration |
14.8%
+39.8% YoY+7.8% QoQ
|
-9.6% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
38.4%
+18.5% YoY+2.8% QoQ
|
+24.4% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)