BlastPoint's Credit Union Scorecard

NAVIGATOR

Charter #24954 · MS

1077 CUs in 100M-500M nationally 12 in MS

NAVIGATOR has 9 strengths but faces 10 concerns

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 9.4% in tier
+ Organic Growth Engine: Top 19.9% in tier
+ ROA 1.25% above tier average
+ Net Interest Margin 1.90% above tier average
+ Total Members: Top 0.5% in tier
+ Fee Income Per Member: Top 3.2% in tier
+ Net Worth Ratio: Top 6.5% in tier
+ Share Certificate Concentration (%): Top 8.0% in tier
+ Total Loans: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 5.8% in tier
- Shrinking Wallet Share: Bottom 8.2% in tier
- Deposit Outflow: Bottom 8.8% in tier
- Indirect Auto Dependency: Bottom 27.8% in tier
- Liquidity Overhang: Bottom 82.0% in tier
- Asset Growth Rate: Bottom 2.0% in tier
- Deposit Growth Rate: Bottom 2.6% in tier
- Average Member Relationship (AMR): Bottom 3.1% in tier
- Net Charge-Off Rate: Bottom 5.1% in tier
- AMR Growth Rate: Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	47,356 +0.9% YoY-0.0% QoQ	+31.7K	15,628 -3.4% YoY	14,577 +18.5% YoY	33,089 +6.1% YoY	Top 0.6% in tier
Assets	$384.2M -6.7% YoY-1.2% QoQ	+$152.9M	$231.3M -0.0% YoY	$171.7M +26.4% YoY	$547.7M +7.8% YoY	Top 13.2% in tier
Loans	$278.1M +0.4% YoY+0.5% QoQ	+$130.3M	$147.8M -1.4% YoY	$115.7M +25.1% YoY	$388.7M +8.6% YoY	Top 9.1% in tier
Deposits	$311.5M -6.3% YoY-2.2% QoQ	+$111.2M	$200.3M -0.0% YoY	$135.7M +26.5% YoY	$464.6M +9.3% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.0% +248.4% YoY-4.2% QoQ	+1.2%	0.8% +15.5% YoY	0.9% +335.0% YoY	0.7% +273.4% YoY	Top 2.8% in tier
NIM	5.5% +21.1% YoY-1.0% QoQ	+1.9%	3.6% +6.9% YoY	4.4% +3.2% YoY	3.7% +5.0% YoY	Top 0.8% in tier
Efficiency Ratio	67.2% -13.3% YoY+2.5% QoQ	-10.1%	77.3% -3.0% YoY	78.7% -9.5% YoY	79.1% -3.3% YoY	19%
Delinquency Rate	0.6% -8.7% YoY+25.5% QoQ	-0.3	0.9% +7.6% YoY	1.7% -11.9% YoY	1.2% -0.9% YoY	44%
Loan To Share	89.3% +7.2% YoY+2.7% QoQ	+16.6%	72.7% -1.5% YoY	68.6% -0.4% YoY	68.0% -1.7% YoY	83%
AMR	$12,449 -4.1% YoY-0.9% QoQ	$-12K	$24,363 +2.9% YoY	$12,163 +4.6% YoY	$19,418 +1.3% YoY	Bottom 3.0% in tier
CD Concentration	8.2% -57.6% YoY-20.2% QoQ	-16.2%	24.4% +4.2% YoY	19.3% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	32.4% -14.0% YoY-4.2% QoQ	+18.4%	14.0% -5.7% YoY	2.5% +12.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#33 of 340 • Top 9.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.04%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 1.45% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Organic Growth Engine

growth

#365 of 603 • Top 19.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.88%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 2.04%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 32.40%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (5)

Capital Constraint

risk

#6 of 18 • Bottom 5.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 89.26%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -6.32%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 17.29%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

18 of 1077 Community CUs have this signature | 29 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#83 of 244 • Bottom 8.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.09%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Deposit Outflow

decline

#8 of 81 • Bottom 8.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -6.32%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.88%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#448 of 525 • Bottom 27.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -6.71%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 32.40%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.88%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk

#110 of 134 • Bottom 82.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.29%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 89.26%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (11 metrics)

Total Members

engagement

Value: 47,356

Peer Avg: -

#6 of 1077 Top 0.5% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.49%

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.04%

Peer Avg: -

#30 of 1077 Top 2.7% in 100M-500M tier

Fee Income Per Member

profitability

Value: $324.70

Peer Avg: -

#36 of 1077 Top 3.2% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.29%

Peer Avg: -

#71 of 1077 Top 6.5% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.18%

Peer Avg: -

#87 of 1077 Top 8.0% in 100M-500M tier

Total Loans

balance_sheet

Value: $278.05M

Peer Avg: -

#98 of 1077 Top 9.0% in 100M-500M tier

142

Total Assets

balance_sheet

Value: $384.20M

Peer Avg: -

#142 of 1077 Top 13.1% in 100M-500M tier

177

Total Deposits

balance_sheet

Value: $311.50M

Peer Avg: -

#177 of 1077 Top 16.3% in 100M-500M tier

180

Loan-to-Share Ratio

balance_sheet

Value: 89.26%

Peer Avg: -

#180 of 1077 Top 16.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1056

Asset Growth Rate

growth

Value: -6.71%

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

1050

Deposit Growth Rate

growth

Value: -6.32%

Peer Avg: -

#1050 of 1077 Bottom 2.6% in 100M-500M tier

1045

Average Member Relationship (AMR)

engagement

Value: $12,449

Peer Avg: -

#1045 of 1077 Bottom 3.1% in 100M-500M tier

1023

Net Charge-Off Rate

risk

Value: 1.33%

Peer Avg: -

#1023 of 1077 Bottom 5.1% in 100M-500M tier

1014

AMR Growth Rate

growth

Value: -4.09%

Peer Avg: -

#1014 of 1077 Bottom 5.9% in 100M-500M tier

940

Loan-to-Member Ratio (LMR)

engagement

Value: $5,871

Peer Avg: -

#940 of 1077 Bottom 12.8% in 100M-500M tier

925

Indirect Auto Concentration (%)

balance_sheet

Value: 32.40%

Peer Avg: -

#925 of 1077 Bottom 14.2% in 100M-500M tier