BlastPoint's Credit Union Scorecard

ECM

Charter #24883 · MS

<100M

2508 CUs in <100M nationally 42 in MS

ECM demonstrates 2 strengths

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.75% above tier average
+ Members Per Employee (MPE): Top 3.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	2,336 +0.2% YoY+0.6% QoQ	-340	2,676 +1.6% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	58%
Assets	$29.2M +4.0% YoY+3.1% QoQ	$-997K	$30.2M +1.3% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	58%
Loans	$14.7M -7.7% YoY-2.3% QoQ	$-549K	$15.3M -2.0% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	62%
Deposits	$24.9M +3.0% YoY+3.5% QoQ	$-904K	$25.8M +0.7% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -13.6% YoY-40.6% QoQ	+0.8%	0.1% -77.6% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	65%
NIM	3.5% -4.0% YoY-6.2% QoQ	-0.5%	4.0% +4.0% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	69.9% +16.9% YoY+15.0% QoQ	-20.7%	90.6% +6.5% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.6% +117.6% YoY+124.9% QoQ	-0.9	1.5% +3.8% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	49%
Loan To Share	59.2% -10.3% YoY-5.6% QoQ	+0.7%	58.5% -3.0% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	51%
AMR	$16,956 -1.4% YoY+0.7% QoQ	+$2K	$14,884 -1.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	65%
CD Concentration	29.9% +4.2% YoY+1.1% QoQ	+5.7%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 778.667

Peer Median: 333.750

#85 of 2508 Top 3.3% in <100M tier

Top Weaknesses (1 metrics)

2067

Share Certificate Concentration (%)

balance_sheet

Value: 29.94%

Peer Median: 12.45%

#2067 of 2508 Bottom 17.6% in <100M tier