BlastPoint's Credit Union Scorecard
MISSISSIPPI COLLEGE EMPLOYEES
Charter #24895 · MS
MISSISSIPPI COLLEGE EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.60% above tier average
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.57% above tier average
- - Member decline: -6.3% YoY
- - Total Members: Bottom 3.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - Total Loans: Bottom 8.7% in tier
- - Total Deposits: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
163
-6.3% YoY+0.6% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
Bottom 3.3% in tier |
| Assets |
$2.0M
-5.8% YoY+0.2% QoQ
|
$-28.2M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.5% in tier |
| Loans |
$586,340
-19.9% YoY-3.1% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.6% in tier |
| Deposits |
$1.5M
-6.2% YoY+0.3% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.2% in tier |
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| ROA |
0.7%
-189.5% YoY-157.0% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
3.5%
+99.7% YoY+66.7% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
37% |
| Efficiency Ratio |
77.2%
-45.9% YoY-37.2% QoQ
|
-13.5% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
7.1%
+81.6% YoY+82.8% QoQ
|
+5.6 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
38.9%
-14.6% YoY-3.4% QoQ
|
-19.6% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$12,844
-4.5% YoY-1.3% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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)