MISSISSIPPI COLLEGE EMPLOYEES
Charter #24895 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in 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 |
| 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
|
Top 16.7% in tier |
| 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
|
Bottom 19.0% in tier |
| 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
|
45th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
273
Net Worth Ratio
risk
Value:
25.48%
Peer Avg: 16.43%
#273 of 2596
Top 10.5% in <100M tier
Top Weaknesses (14 metrics)
2503
Total Members
engagement
Value:
166
Peer Avg: 2,626
#2503 of 2596
Bottom 3.6% in <100M tier
2501
Net Interest Margin (NIM)
profitability
Value:
2.02%
Peer Avg: 3.93%
#2501 of 2596
Bottom 3.7% in <100M tier
2497
Efficiency Ratio
profitability
Value:
122.96%
Peer Avg: 81.39%
#2497 of 2596
Bottom 3.9% in <100M tier
2471
Return on Assets (ROA)
profitability
Value:
-1.23%
Peer Avg: 0.68%
#2471 of 2596
Bottom 4.9% in <100M tier
2462
Net Charge-Off Rate
risk
Value:
2.18%
Peer Avg: 0.57%
#2462 of 2596
Bottom 5.2% in <100M tier
2461
Members Per Employee (MPE)
engagement
Value:
83.000
Peer Avg: 365.701
#2461 of 2596
Bottom 5.2% in <100M tier
2376
Total Loans
balance_sheet
Value:
$607,615
Peer Avg: $15.77M
#2376 of 2596
Bottom 8.5% in <100M tier
2343
Total Deposits
balance_sheet
Value:
$1.52M
Peer Avg: $25.45M
#2343 of 2596
Bottom 9.8% in <100M tier
2331
Total Assets
balance_sheet
Value:
$2.06M
Peer Avg: $29.86M
#2331 of 2596
Bottom 10.2% in <100M tier
2247
Loan Growth Rate
growth
Value:
-13.45%
Peer Avg: 59.01%
#2247 of 2596
Bottom 13.5% in <100M tier