BlastPoint's Credit Union Scorecard
FIRST UNITY
Charter #24859 · MS
FIRST UNITY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Net Interest Margin 3.38% above tier average
- + Efficiency Ratio: Top 0.5% in tier
- + Members Per Employee (MPE): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 24.98% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - Share Certificate Concentration (%): Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
- - Net Charge-Off Rate: Bottom 6.6% in tier
- - AMR Growth Rate: Bottom 7.1% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits -6.6% year over year ($9.7M in shares and deposits).
- Membership: 4,377 members, +1.4% vs a year ago.
- Delinquency rate 26.52%.
- Return on assets 2.49%.
- Efficiency ratio 29.23% vs a 88.77% peer average.
- Loan-to-share ratio 86.96% vs a 58.89% 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 |
4,377
+1.4% YoY+1.3% QoQ
|
+1.8K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$11.7M
-5.9% YoY-0.4% QoQ
|
$-18.6M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$8.4M
-12.1% YoY-5.1% QoQ
|
$-7.0M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$9.7M
-6.6% YoY-0.1% QoQ
|
$-16.1M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
2.5%
-62.5% YoY+32.1% QoQ
|
+1.0% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Top 5.7% in tier |
| NIM |
7.3%
-27.6% YoY+7.7% QoQ
|
+3.4% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
29.2%
-22.9% YoY-52.0% QoQ
|
-59.5% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
Top 0.5% in tier |
| Delinquency Rate |
26.5%
+108.7% YoY+29.5% QoQ
|
+25.0 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.7% in tier |
| Loan To Share |
87.0%
-6.0% YoY-5.1% QoQ
|
+28.1% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Top 12.0% in tier |
| AMR |
$4,146
-10.5% YoY-3.7% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.5% in tier |
| CD Concentration |
67.2%
+0.1% YoY-2.0% QoQ
|
+42.6% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 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)