BlastPoint's Credit Union Scorecard
MUTUAL
Charter #24948 · MS
MUTUAL has 5 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does MS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 14.0% in tier
- + ROA 0.79% above tier average
- + Net Interest Margin 0.48% above tier average
- + Loan Growth Rate: Top 6.0% in tier
- + Fee Income Per Member: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.15% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Total Loans: Bottom 8.4% in tier
- - Total Assets: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,421
+0.0% YoY-1.0% QoQ
|
+4.3K |
38,079
-4.8% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$517.3M
+6.0% YoY+4.6% QoQ
|
$-102.4M |
$619.7M
-0.2% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.4% in tier |
| Loans |
$285.4M
+14.8% YoY+0.5% QoQ
|
$-134.0M |
$419.3M
-1.4% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.8% in tier |
| Deposits |
$451.4M
+4.7% YoY+5.2% QoQ
|
$-88.1M |
$539.5M
-0.1% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.6% in tier |
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| ROA |
1.5%
+89.3% YoY+9.5% QoQ
|
+0.8% |
0.7%
+36.0% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Top 10.2% in tier |
| NIM |
3.9%
+4.2% YoY-1.6% QoQ
|
+0.5% |
3.5%
+4.5% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
72.7%
-2.9% YoY+0.8% QoQ
|
-5.7% |
78.4%
-3.7% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
23% |
| Delinquency Rate |
0.9%
-7.4% YoY-19.0% QoQ
|
+0.1 |
0.7%
-0.9% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
63.2%
+9.6% YoY-4.5% QoQ
|
-14.5% |
77.7%
-1.2% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.4% in tier |
| AMR |
$17,367
+8.4% YoY+4.4% QoQ
|
$-10K |
$26,927
+3.1% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.4% in tier |
| CD Concentration |
25.0%
+17.9% YoY+5.4% QoQ
|
+0.7% | 24.3% | 19.6% | 19.8% | 53% |
| Indirect Auto % |
6.1%
+5.1% QoQ
|
-7.7% | 13.8% | 2.4% | 7.7% | 46% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)