BlastPoint's Credit Union Scorecard
DELTA
Charter #24893 · MS
DELTA demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.78% above tier average
- + Net Interest Margin 3.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.3% in tier
- + Efficiency Ratio: Top 9.7% 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 |
1,712
-0.7% YoY-1.4% QoQ
|
-913 |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$8.6M
+3.9% YoY+1.3% QoQ
|
$-21.2M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
29% |
| Loans |
$3.3M
+6.9% YoY+6.3% QoQ
|
$-12.4M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$6.2M
+1.2% YoY-0.8% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
3.5%
+29.8% YoY+180.6% QoQ
|
+2.8% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.6% in tier |
| NIM |
7.0%
+7.9% YoY+0.7% QoQ
|
+3.0% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
55.4%
-6.5% YoY-3.2% QoQ
|
-26.0% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.7% in tier |
| Delinquency Rate |
0.1%
-88.3% YoY-73.6% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
53.6%
+5.7% YoY+7.1% QoQ
|
-7.6% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$5,578
+3.8% YoY+3.1% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.7% in tier |
| CD Concentration | 0.0% | -24.4% |
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)