BlastPoint's Credit Union Scorecard
NAVIGATOR
Charter #24954 · MS
NAVIGATOR has 8 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 53.5% in tier
- + ROA 1.78% above tier average
- + Net Interest Margin 1.90% above tier average
- + Total Members: Top 0.5% in tier
- + Fee Income Per Member: Top 2.2% in tier
- + Net Worth Ratio: Top 5.3% in tier
- + Share Certificate Concentration (%): Top 6.5% in tier
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 7.3% in tier
- - Shrinking Wallet Share: Bottom 29.5% in tier
- - Capital Constraint: Bottom 31.8% in tier
- - Liquidity Overhang: Bottom 75.4% in tier
- - Indirect Auto Dependency: Bottom 87.1% in tier
- - Credit Quality Pressure: Bottom 88.5% in tier
- - Deposit Growth Rate: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 4.9% in tier
- - Net Charge-Off Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,453
+1.0% YoY+0.2% QoQ
|
+32.0K |
15,437
-2.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Top 0.6% in tier |
| Assets |
$386.3M
-3.7% YoY+0.5% QoQ
|
+$154.4M |
$231.9M
+1.3% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Top 13.0% in tier |
| Loans |
$276.2M
-0.9% YoY-0.7% QoQ
|
+$128.9M |
$147.3M
-0.1% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Top 9.3% in tier |
| Deposits |
$310.9M
-5.6% YoY-0.2% QoQ
|
+$110.1M |
$200.8M
+0.8% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
2.5%
+288.0% YoY+24.8% QoQ
|
+1.8% |
0.8%
+18.2% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Top 0.8% in tier |
| NIM |
5.5%
+20.2% YoY+0.3% QoQ
|
+1.9% |
3.6%
+6.7% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
63.7%
-16.0% YoY-5.2% QoQ
|
-13.3% |
77.0%
-3.1% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.5% in tier |
| Delinquency Rate |
0.7%
+5.7% YoY+19.4% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
88.8%
+5.0% YoY-0.5% QoQ
|
+16.6% |
72.2%
-1.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$12,372
-4.4% YoY-0.6% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.9% in tier |
| CD Concentration |
7.3%
-60.4% YoY-11.0% QoQ
|
-17.1% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
29.8%
-17.5% YoY-8.1% QoQ
|
+16.0% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)