BlastPoint's Credit Union Scorecard
COMMUNITY PARTNERS
Charter #24905 · MS
COMMUNITY PARTNERS has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.23% below tier average
- - Efficiency ratio 20.02% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.8% in tier
- - Asset Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,113
-0.2% YoY+0.7% QoQ
|
-512 |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$5.0M
-7.6% YoY-3.1% QoQ
|
$-24.8M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$2.8M
+12.4% YoY+4.8% QoQ
|
$-12.9M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$4.5M
-8.0% YoY-3.6% QoQ
|
$-21.0M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
-0.5%
+165.7% YoY-22.6% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.4% in tier |
| NIM |
6.3%
+8.2% YoY+8.3% QoQ
|
+2.4% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
101.4%
+3.5% YoY-4.5% QoQ
|
+20.0% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Top 10.0% in tier |
| Delinquency Rate |
0.1%
-36.0% YoY-79.2% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
62.9%
+22.1% YoY+8.7% QoQ
|
+1.6% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$3,460
-0.9% YoY-1.2% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.3% in tier |
| CD Concentration |
9.3%
+8.9% YoY+7.5% QoQ
|
-15.1% |
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)