BlastPoint's Credit Union Scorecard
CM MEMBERS
Charter #24881 · MS
CM MEMBERS shows strong momentum with 7 strengths and 5.6% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Strong member growth: 5.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 6.2% in tier
- + Member Growth Rate: Top 6.3% in tier
- + Asset Growth Rate: Top 9.1% 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 |
1,857
+5.6% YoY-0.1% QoQ
|
-768 |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$15.9M
+9.6% YoY+0.4% QoQ
|
$-14.0M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$8.3M
+0.2% YoY+2.8% QoQ
|
$-7.4M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$13.4M
+11.7% YoY+0.3% QoQ
|
$-12.0M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
1.0%
+66.1% YoY-2.8% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
3.5%
-7.5% YoY-1.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
78.4%
+5.1% YoY-2.6% QoQ
|
-3.0% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.4%
+26.2% YoY+19.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
62.0%
-10.4% YoY+2.5% QoQ
|
+0.8% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$11,728
+1.4% YoY+1.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
16.3%
+45.3% YoY-0.8% QoQ
|
-8.1% |
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)