BlastPoint's Credit Union Scorecard
N. MISSISSIPPI HEALTH SERVICES EMP.
Charter #23900 · MS
N. MISSISSIPPI HEALTH SERVICES EMP. demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.8% in tier
- + Members Per Employee (MPE): Top 5.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,557
-1.2% YoY-0.3% QoQ
|
-68 |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$14.3M
-0.8% YoY+0.8% QoQ
|
$-15.6M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$6.9M
+9.3% YoY-1.2% QoQ
|
$-8.9M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$11.5M
-3.3% YoY+0.4% QoQ
|
$-14.0M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
2.1%
+4.3% YoY-2.8% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 8.1% in tier |
| NIM |
3.7%
+1.9% YoY-2.7% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
44.7%
+5.2% YoY-3.3% QoQ
|
-36.7% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.8% in tier |
| Delinquency Rate |
0.0%
-41.3% YoY+9.6% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.3% in tier |
| Loan To Share |
60.0%
+13.1% YoY-1.5% QoQ
|
-1.2% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$7,176
+2.3% YoY+0.1% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
0.1%
-59.8% YoY-0.1% QoQ
|
-24.3% |
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)
Concerns (0)
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)