BlastPoint's Credit Union Scorecard
COMMUNITY PARTNERS
Charter #24905 · MS
COMMUNITY PARTNERS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.24% above tier average
- + Member Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.88% below tier average
- - Efficiency ratio 10.31% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,139
+3.8% YoY+0.2% QoQ
|
-537 |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$5.2M
-6.3% YoY+3.8% QoQ
|
$-25.0M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$2.9M
+9.9% YoY-2.5% QoQ
|
$-12.4M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$4.7M
-6.6% YoY+4.7% QoQ
|
$-21.1M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
-0.7%
+48.5% YoY
|
-0.9% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.3% in tier |
| NIM |
6.3%
+6.7% YoY-3.4% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 2.9% in tier |
| Efficiency Ratio |
100.9%
-5.2% YoY+1.7% QoQ
|
+10.3% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate |
0.2%
-28.8% YoY-31.3% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
61.7%
+17.7% YoY-6.8% QoQ
|
+3.2% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$3,566
-4.5% YoY+1.6% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.3% in tier |
| CD Concentration |
10.0%
+24.4% YoY+9.6% QoQ
|
-14.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)