BlastPoint's Credit Union Scorecard
MISSISSIPPI COLLEGE EMPLOYEES
Charter #24895 · MS
2556 CUs in <100M nationally
41 in MS
MISSISSIPPI COLLEGE EMPLOYEES has 3 strengths but faces 13 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
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.93% below tier average
- - Efficiency ratio 40.32% above tier (higher cost structure)
- - Delinquency rate 2.31% above tier average
- - Member decline: -8.0% YoY
- - Total Members: Bottom 3.4% in tier
- - Net Interest Margin (NIM): Bottom 4.8% in tier
- - Net Charge-Off Rate: Bottom 4.9% in tier
- - Members Per Employee (MPE): Bottom 5.0% in tier
- - Member Growth Rate: Bottom 7.9% in tier
- - Total Loans: Bottom 8.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
- - Total Deposits: Bottom 9.4% in tier
- - Total Assets: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
162
-8.0% YoY-2.4% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Bottom 3.4% in tier |
| Assets |
$2.0M
-4.9% YoY-1.2% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.7% in tier |
| Loans |
$605,284
-10.4% YoY-0.4% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.3% in tier |
| Deposits |
$1.5M
-4.6% YoY-1.1% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.4% in tier |
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| ROA |
-1.3%
+45.9% YoY+6.5% QoQ
|
-1.9% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.6% in tier |
| NIM |
2.1%
+20.0% YoY+5.0% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.7% in tier |
| Efficiency Ratio |
122.9%
-14.1% YoY-0.1% QoQ
|
+40.3% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
3.9%
-15.8% YoY+67.0% QoQ
|
+2.3 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 9.2% in tier |
| Loan To Share |
40.3%
-6.1% YoY+0.8% QoQ
|
-20.3% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$13,013
+1.8% YoY+1.5% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
46% |
| 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)
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
274
Net Worth Ratio
risk
Value:
25.43%
Peer Median: -
#274 of 2556
Top 10.7% in <100M tier
Top Weaknesses (16 metrics)
2469
Total Members
engagement
Value:
162
Peer Median: -
#2469 of 2556
Bottom 3.4% in <100M tier
2464
Efficiency Ratio
profitability
Value:
122.87%
Peer Median: -
#2464 of 2556
Bottom 3.6% in <100M tier
2438
Return on Assets (ROA)
profitability
Value:
-1.31%
Peer Median: -
#2438 of 2556
Bottom 4.7% in <100M tier
2435
Net Interest Margin (NIM)
profitability
Value:
2.12%
Peer Median: -
#2435 of 2556
Bottom 4.8% in <100M tier
2433
Net Charge-Off Rate
risk
Value:
2.34%
Peer Median: -
#2433 of 2556
Bottom 4.9% in <100M tier
2428
Members Per Employee (MPE)
engagement
Value:
81.000
Peer Median: -
#2428 of 2556
Bottom 5.0% in <100M tier
2355
Member Growth Rate
growth
Value:
-7.95%
Peer Median: -
#2355 of 2556
Bottom 7.9% in <100M tier
2344
Total Loans
balance_sheet
Value:
$605,284
Peer Median: -
#2344 of 2556
Bottom 8.3% in <100M tier
2322
Total Delinquency Rate (60+ days)
risk
Value:
3.87%
Peer Median: -
#2322 of 2556
Bottom 9.2% in <100M tier
2317
Total Deposits
balance_sheet
Value:
$1.50M
Peer Median: -
#2317 of 2556
Bottom 9.4% in <100M tier