BlastPoint's Credit Union Scorecard
COMMUNITY PARTNERS
Charter #24905 · MS
COMMUNITY PARTNERS has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 16.69% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,135
+1.5% YoY+1.0% QoQ
|
-480 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$5.0M
-3.5% YoY+0.7% QoQ
|
$-25.1M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.0M
+12.0% YoY+5.8% QoQ
|
$-12.8M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$4.5M
-3.6% YoY+0.4% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
-0.0%
-146.0% YoY-91.9% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.9% in tier |
| NIM |
6.5%
+10.4% YoY+2.7% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
99.2%
+5.2% YoY-2.1% QoQ
|
+16.7% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Top 11.9% in tier |
| Delinquency Rate |
0.3%
-29.5% YoY+145.0% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
66.3%
+16.2% YoY+5.4% QoQ
|
+5.6% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$3,509
+0.5% YoY+1.4% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.2% in tier |
| CD Concentration |
9.1%
+2.4% YoY-2.0% QoQ
|
-15.3% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)