BlastPoint's Credit Union Scorecard
DELTA
Charter #24893 · MS
DELTA demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.51% above tier average
- + Net Interest Margin 3.02% 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 6.8% 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 |
1,733
-1.8% YoY+1.2% QoQ
|
-882 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$8.5M
+2.1% YoY-1.4% QoQ
|
$-21.6M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$3.4M
+4.2% YoY+2.1% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$6.0M
-1.5% YoY-2.7% QoQ
|
$-19.6M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
3.1%
+29.7% YoY-9.5% QoQ
|
+2.5% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Top 1.3% in tier |
| NIM |
7.0%
+6.6% YoY-0.0% QoQ
|
+3.0% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
59.6%
-1.8% YoY+7.7% QoQ
|
-22.9% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate |
0.2%
-94.0% YoY+58.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
56.3%
+5.7% YoY+4.9% QoQ
|
-4.3% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$5,451
+2.3% YoY-2.3% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.4% in tier |
| CD Concentration | 0.0% | -24.4% | 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)