BlastPoint's Credit Union Scorecard
ECM
Charter #24883 · MS
ECM demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.4% 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 |
2,323
+0.7% YoY+0.0% QoQ
|
-292 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$28.3M
+2.3% YoY+1.6% QoQ
|
$-1.8M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$15.1M
-4.4% YoY-2.7% QoQ
|
$-683K |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$24.0M
+0.8% YoY+1.3% QoQ
|
$-1.6M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
58% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
+2.9% YoY-7.5% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
3.7%
+10.0% YoY-1.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
60.8%
+1.7% YoY+1.2% QoQ
|
-21.8% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.5% in tier |
| Delinquency Rate |
0.3%
+38.8% YoY-44.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
62.7%
-5.2% YoY-4.0% QoQ
|
+2.1% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$16,839
-1.9% YoY-0.3% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
29.6%
+4.3% YoY+4.7% QoQ
|
+5.2% | 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)