BlastPoint's Credit Union Scorecard
CM MEMBERS
Charter #24881 · MS
CM MEMBERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.0% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency ratio 10.34% above tier (higher cost structure)
- - Member decline: -3.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,778
-3.3% YoY-4.3% QoQ
|
-837 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$15.9M
+8.7% YoY+0.1% QoQ
|
$-14.3M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$7.8M
-6.8% YoY-6.2% QoQ
|
$-7.9M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$13.3M
+9.8% YoY-0.8% QoQ
|
$-12.4M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
0.4%
-16.5% YoY-57.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.4%
-8.9% YoY-4.1% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
92.9%
+16.5% YoY+18.5% QoQ
|
+10.3% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.2%
-39.0% YoY-41.9% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
58.7%
-15.1% YoY-5.5% QoQ
|
-1.9% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$11,896
+6.5% YoY+1.4% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
18.0%
+58.4% YoY+10.2% QoQ
|
-6.4% | 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)