BlastPoint's Credit Union Scorecard
MAGNOLIA
Charter #224 · MS
MAGNOLIA has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.57% above tier average
- + Net Interest Margin 1.64% above tier average
- + AMR Growth Rate: Top 0.9% in tier
- + Net Worth Ratio: Top 1.3% in tier
- + First Mortgage Concentration (%): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency ratio 1.43% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Mississippi.
- Shares and deposits +5.9% year over year ($142M in shares and deposits).
- Membership: 21,013 members, -19.5% vs a year ago.
- Delinquency rate 0.55%.
- Return on assets 1.44%.
- Efficiency ratio 78.16% vs a 76.73% peer average.
- Loan-to-share ratio 83.52% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,013
-19.5% YoY-0.3% QoQ
|
+5.8K |
15,168
-2.6% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$185.6M
+6.6% YoY-1.3% QoQ
|
$-46.4M |
$232.0M
+0.7% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$118.4M
-2.1% YoY+0.7% QoQ
|
$-27.8M |
$146.3M
+0.2% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$141.8M
+5.9% YoY-2.0% QoQ
|
$-58.9M |
$200.7M
+0.2% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
1.4%
-55.2% YoY-0.7% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Top 14.7% in tier |
| NIM |
5.3%
-7.0% YoY+2.2% QoQ
|
+1.6% |
3.7%
+4.5% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
78.2%
+47.1% YoY+6.8% QoQ
|
+1.4% |
76.7%
-0.8% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.6%
-8.9% YoY+5.8% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
83.5%
-7.5% YoY+2.8% QoQ
|
+12.0% |
71.5%
-0.3% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$12,383
+26.8% YoY-0.5% QoQ
|
$-13K |
$25,107
+3.2% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.1% in tier |
| CD Concentration |
16.4%
+19.3% YoY-4.3% QoQ
|
-8.1% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % |
35.0%
-6.2% YoY-2.7% QoQ
|
+21.4% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)