BlastPoint's Credit Union Scorecard
MUTUAL
Charter #24948 · MS
MUTUAL has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 5.9% in tier
- + ROA 0.59% above tier average
- + Net Interest Margin 0.41% above tier average
- + Total Assets: Top 0.3% in tier
- + Total Deposits: Top 0.7% in tier
- + Total Members: Top 1.0% in tier
- + AMR Growth Rate: Top 2.2% in tier
- + Fee Income Per Member: Top 5.7% in tier
- + Loan Growth Rate: Top 6.8% in tier
- + Total Loans: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 10.8% in tier
- - Stagnation Risk: Bottom 42.5% in tier
- - Delinquency rate 0.16% above tier average
- - Member decline: -8.0% YoY
- - Member Growth Rate: Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,845
-8.0% YoY-0.5% QoQ
|
+27.4K |
15,437
-2.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Top 1.1% in tier |
| Assets |
$494.7M
+4.9% YoY+0.7% QoQ
|
+$262.9M |
$231.9M
+1.3% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Top 0.4% in tier |
| Loans |
$283.9M
+15.4% YoY+0.9% QoQ
|
+$136.5M |
$147.3M
-0.1% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Top 8.4% in tier |
| Deposits |
$429.0M
+2.7% YoY-0.3% QoQ
|
+$228.2M |
$200.8M
+0.8% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Top 0.7% in tier |
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| ROA |
1.4%
+111.8% YoY+8.0% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Top 14.2% in tier |
| NIM |
4.0%
+20.3% YoY+0.8% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
72.1%
+4.0% YoY+0.7% QoQ
|
-5.0% |
77.0%
-3.1% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.1%
-9.9% YoY+43.9% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
66.2%
+12.5% YoY+1.1% QoQ
|
-6.1% |
72.2%
-1.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$16,639
+16.7% YoY+0.7% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
23.7%
+10.1% YoY+4.2% QoQ
|
-0.7% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
5.8%
+7.9% QoQ
|
-8.0% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)