BlastPoint's Credit Union Scorecard

N. MISSISSIPPI HEALTH SERVICES EMP.

Charter #23900 · MS

<100M

2508 CUs in <100M nationally 42 in MS

N. MISSISSIPPI HEALTH SERVICES EMP. demonstrates 3 strengths

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.68% above tier average
+ Efficiency Ratio: Top 4.1% in tier
+ Members Per Employee (MPE): Top 5.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	2,595 -1.2% YoY-0.3% QoQ	-81	2,676 +1.6% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	62%
Assets	$13.5M +0.5% YoY+2.7% QoQ	$-16.7M	$30.2M +1.3% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	38%
Loans	$7.0M -4.0% YoY-1.1% QoQ	$-8.3M	$15.3M -2.0% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	42%
Deposits	$10.6M -1.8% YoY+2.8% QoQ	$-15.2M	$25.8M +0.7% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	37%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.8% -28.8% YoY-10.4% QoQ	+1.7%	0.1% -77.6% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	Top 8.7% in tier
NIM	3.5% -14.3% YoY-7.0% QoQ	-0.5%	4.0% +4.0% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	48.5% +23.4% YoY+4.7% QoQ	-42.1%	90.6% +6.5% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	Top 4.1% in tier
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	16%
Loan To Share	65.7% -2.3% YoY-3.9% QoQ	+7.2%	58.5% -3.0% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	60%
AMR	$6,764 -1.5% YoY+1.5% QoQ	$-8K	$14,884 -1.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	Bottom 14.2% in tier
CD Concentration	0.1% -51.4% YoY-2.4% QoQ	-24.2%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

104

Efficiency Ratio

profitability

Value: 48.52%

Peer Median: 81.45%

#104 of 2508 Top 4.1% in <100M tier

147

Members Per Employee (MPE)

engagement

Value: 648.750

Peer Median: 333.750

#147 of 2508 Top 5.8% in <100M tier

217

Return on Assets (ROA)

profitability

Value: 1.83%

Peer Median: 0.61%

#217 of 2508 Top 8.6% in <100M tier

408

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: 0.65%

#408 of 2508 Top 16.2% in <100M tier

458

Net Worth Ratio

risk

Value: 21.37%

Peer Median: 14.28%

#458 of 2508 Top 18.2% in <100M tier

562

Share Certificate Concentration (%)

balance_sheet

Value: 0.10%

Peer Median: 12.45%

#562 of 2508 Top 22.4% in <100M tier

Top Weaknesses (3 metrics)

2152

Average Member Relationship (AMR)

engagement

Value: $6,764

Peer Median: $13,926

#2152 of 2508 Bottom 14.2% in <100M tier

2130

Fee Income Per Member

profitability

Value: $4.86

Peer Median: $60.42

#2130 of 2508 Bottom 15.1% in <100M tier

1983

Loan-to-Member Ratio (LMR)

engagement

Value: $2,683

Peer Median: $4,923

#1983 of 2508 Bottom 21.0% in <100M tier