BlastPoint's Credit Union Scorecard
MISSISSIPPI COLLEGE EMPLOYEES
Charter #24895 · MS
MISSISSIPPI COLLEGE EMPLOYEES has 3 strengths but faces 10 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 1.91% below tier average
- - Efficiency ratio 41.57% above tier (higher cost structure)
- - Delinquency rate 0.81% above tier average
- - Member decline: -5.7% YoY
- - Total Members: Bottom 3.6% in tier
- - Net Interest Margin (NIM): Bottom 3.7% in tier
- - Net Charge-Off Rate: Bottom 5.2% in tier
- - Members Per Employee (MPE): Bottom 5.2% in tier
- - Total Loans: Bottom 8.5% in tier
- - Total Deposits: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
166
-5.7% YoY-1.8% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Bottom 3.5% in tier |
| Assets |
$2.1M
-1.5% YoY-5.9% QoQ
|
$-27.8M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.2% in tier |
| Loans |
$607,615
-13.5% YoY-15.9% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.5% in tier |
| Deposits |
$1.5M
+0.2% YoY-7.1% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.7% in tier |
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| ROA |
-1.2%
+98.3% YoY+68.9% QoQ
|
-1.9% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.8% in tier |
| NIM |
2.0%
+13.6% YoY+5.6% QoQ
|
-1.9% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.7% in tier |
| Efficiency Ratio |
123.0%
-12.5% YoY-5.0% QoQ
|
+41.6% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Top 3.9% in tier |
| Delinquency Rate |
2.3%
-3.7% YoY-46.7% QoQ
|
+0.8 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
40.0%
-13.6% YoY-9.6% QoQ
|
-21.3% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$12,819
+1.6% YoY-8.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
45% |
| 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)