BlastPoint's Credit Union Scorecard

MAGNOLIA

Charter #224 · MS

100M-500M
1070 CUs in 100M-500M nationally 10 in MS

MAGNOLIA has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?
MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 50.0% in tier
  • + ROA 0.72% above tier average
  • + Net Interest Margin 1.58% above tier average
  • + Net Worth Ratio: Top 1.4% in tier
  • + First Mortgage Concentration (%): Top 3.6% in tier
  • + Asset Growth Rate: Top 5.2% in tier
  • + Deposit Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Average Member Relationship (AMR): Bottom 2.6% in tier
  • - Net Charge-Off Rate: Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 21,084
+4.5% YoY-0.4% QoQ
 +5.9K 15,145
-2.5% YoY
 14,925
+15.2% YoY
 33,913
+5.7% YoY
 80%
Assets $188.1M
+12.3% YoY+5.4% QoQ
 $-43.6M $231.7M
+0.8% YoY
 $177.9M
+19.7% YoY
 $578.3M
+9.0% YoY
 46%
Loans $117.5M
+4.7% YoY-1.9% QoQ
 $-26.6M $144.1M
+0.2% YoY
 $116.7M
+17.0% YoY
 $402.4M
+8.7% YoY
 48%
Deposits $144.7M
+10.8% YoY+7.4% QoQ
 $-56.4M $201.1M
+0.4% YoY
 $143.1M
+20.8% YoY
 $494.3M
+9.1% YoY
 38%

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

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.4%
+4.5% YoY-56.1% QoQ
 +0.7% 0.7%
+5.1% YoY
 -8.8%
-1402.3% YoY
 0.4%
-39.2% YoY
 Top 12.2% in tier
NIM 5.2%
-9.3% YoY-7.6% QoQ
 +1.6% 3.6%
+4.6% YoY
 4.5%
+3.7% YoY
 3.8%
+4.1% YoY
 Top 1.8% in tier
Efficiency Ratio 73.2%
+18.0% YoY+41.6% QoQ
 -4.8% 78.0%
-1.7% YoY
 182.9%
+107.2% YoY
 84.6%
+2.8% YoY
 31%
Delinquency Rate 0.5%
-9.8% YoY-14.3% QoQ
 -0.2 0.8%
+7.1% YoY
 2.1%
+3.6% YoY
 1.2%
+3.4% YoY
 43%
Loan To Share 81.2%
-5.6% YoY-8.6% QoQ
 +10.8% 70.4%
-0.4% YoY
 65.1%
-3.9% YoY
 65.6%
-1.4% YoY
 71%
AMR $12,440
+3.3% YoY+3.5% QoQ
 $-12K $24,918
+2.7% YoY
 $12,313
+3.4% YoY
 $19,920
+1.6% YoY
 Bottom 2.5% in tier
CD Concentration 17.2%
+45.9% YoY+6.8% QoQ
 -7.1% 24.3% 19.6% 19.8% 50%
Indirect Auto % 36.0%
+2.1% YoY-3.8% QoQ
 +22.2% 13.8% 2.4% 7.7% 50%

Signature Analysis

Strengths (1)

Emerging Performer

growth
#24 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 1.45%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Member Growth (YoY): 4.52%
(Tier: 0.72%, National: 10.19%)
better than tier avg
157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally
→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#63 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 12.27%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 36.01%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 4.52%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Cost Spiral

risk
#27 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 11.18% points
(Tier: -1.19% points, National: 2.52% points)
worse than tier avg
Efficiency Ratio (Prior Year): 59.29%
(Tier: 60.69%, National: 64.04%)
but better than tier avg
83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally
→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Liquidity Overhang

risk
#55 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 22.77%
(Tier: 11.91%, National: 14.35%)
but better than tier avg
Loan-to-Share Ratio: 81.21%
(Tier: 72.31%, National: 65.58%)
but better than tier avg
126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally
↑ Growing +19 CUs YoY

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)

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

16
Net Worth Ratio
risk
Value: 22.77%
Peer Median: 11.45%
#16 of 1070 Top 1.4% in 100M-500M tier
19
Net Interest Margin (NIM)
profitability
Value: 5.21%
Peer Median: 3.62%
#19 of 1070 Top 1.7% in 100M-500M tier
39
First Mortgage Concentration (%)
balance_sheet
Value: 2.43%
Peer Median: 29.47%
#39 of 1070 Top 3.6% in 100M-500M tier
57
Asset Growth Rate
growth
Value: 12.27%
Peer Median: 3.91%
#57 of 1070 Top 5.2% in 100M-500M tier
77
Deposit Growth Rate
growth
Value: 10.81%
Peer Median: 3.30%
#77 of 1070 Top 7.1% in 100M-500M tier
129
Member Growth Rate
growth
Value: 4.52%
Peer Median: -0.06%
#129 of 1070 Top 12.0% in 100M-500M tier
131
Return on Assets (ROA)
profitability
Value: 1.45%
Peer Median: 0.69%
#131 of 1070 Top 12.1% in 100M-500M tier
213
Total Members
engagement
Value: 21,084
Peer Median: 13,200
#213 of 1070 Top 19.8% in 100M-500M tier
234
Fee Income Per Member
profitability
Value: $209.68
Peer Median: $154.95
#234 of 1070 Top 21.8% in 100M-500M tier
256
Members Per Employee (MPE)
engagement
Value: 383.345
Peer Median: 309.176
#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1043
Average Member Relationship (AMR)
engagement
Value: $12,440
Peer Median: $22,931
#1043 of 1070 Bottom 2.6% in 100M-500M tier
1008
Net Charge-Off Rate
risk
Value: 1.33%
Peer Median: 0.35%
#1008 of 1070 Bottom 5.9% in 100M-500M tier
958
Indirect Auto Concentration (%)
balance_sheet
Value: 36.01%
Peer Median: 6.61%
#958 of 1070 Bottom 10.6% in 100M-500M tier
957
Loan-to-Member Ratio (LMR)
engagement
Value: $5,575
Peer Median: $9,356
#957 of 1070 Bottom 10.7% in 100M-500M tier
Link copied to clipboard!