BlastPoint's Credit Union Scorecard
N. MISSISSIPPI HEALTH SERVICES EMP.
Charter #23900 · MS
N. MISSISSIPPI HEALTH SERVICES EMP. demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.0% in tier
- + Members Per Employee (MPE): Top 5.6% in tier
- + Loan Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,602
-2.0% YoY+1.8% QoQ
|
-13 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$13.1M
-2.2% YoY-7.8% QoQ
|
$-17.0M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$7.0M
+13.2% YoY+2.3% QoQ
|
$-8.7M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$10.3M
-5.1% YoY-10.2% QoQ
|
$-15.4M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
2.0%
-1.4% YoY-1.3% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Top 6.5% in tier |
| NIM |
3.8%
+1.6% YoY+3.0% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
46.3%
+6.8% YoY+3.7% QoQ
|
-36.2% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
0.0%
-17.2% YoY+44.4% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.3% in tier |
| Loan To Share |
68.4%
+19.3% YoY+14.0% QoQ
|
+7.8% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$6,664
+3.6% YoY-7.1% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.8% in tier |
| CD Concentration |
0.1%
-49.6% YoY+11.7% QoQ
|
-24.3% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)