BlastPoint's Credit Union Scorecard
MISSISSIPPI COLLEGE EMPLOYEES
Charter #24895 · MS
MISSISSIPPI COLLEGE EMPLOYEES faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Delinquency rate 5.98% above tier average
- - Member decline: -3.6% YoY
- - Total Members: Bottom 3.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
- - Loan Growth Rate: Bottom 4.6% in tier
- - Total Loans: Bottom 8.2% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits -6.9% year over year ($1.5M in shares and deposits).
- Membership: 163 members, -3.6% vs a year ago.
- Delinquency rate 7.53%.
- Return on assets 0.46%.
- Efficiency ratio 87.62% vs a 88.77% peer average.
- Loan-to-share ratio 36.16% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
163
-3.6% YoY0% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 3.4% in tier |
| Assets |
$2.1M
-6.0% YoY+0.9% QoQ
|
$-28.2M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.4% in tier |
| Loans |
$550,777
-23.8% YoY-6.1% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.1% in tier |
| Deposits |
$1.5M
-6.9% YoY+1.1% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.3% in tier |
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| ROA |
0.5%
-163.1% YoY-38.4% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
3.0%
+56.7% YoY-15.2% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
87.6%
-32.3% YoY+13.6% QoQ
|
-1.1% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
7.5%
+73.4% YoY+6.5% QoQ
|
+6.0 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.5% in tier |
| Loan To Share |
36.2%
-18.2% YoY-7.1% QoQ
|
-22.7% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$12,724
-8.8% YoY-0.9% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)