BlastPoint's Credit Union Scorecard
NAVIGATOR
Charter #24954 · MS
NAVIGATOR has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Net Interest Margin 1.50% above tier average
- + Total Members: Top 0.4% in tier
- + Fee Income Per Member: Top 3.6% in tier
- + Net Worth Ratio: Top 5.3% in tier
- + Share Certificate Concentration (%): Top 8.1% in tier
- + Total Loans: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Average Member Relationship (AMR): Bottom 2.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,480
+0.7% YoY+0.1% QoQ
|
+32.3K |
15,145
-2.5% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
Top 0.5% in tier |
| Assets |
$398.8M
-0.4% YoY+3.2% QoQ
|
+$167.1M |
$231.7M
+0.8% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
Top 11.2% in tier |
| Loans |
$269.4M
-2.5% YoY-2.5% QoQ
|
+$125.3M |
$144.1M
+0.2% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
Top 9.4% in tier |
| Deposits |
$322.1M
-3.1% YoY+3.6% QoQ
|
+$120.9M |
$201.1M
+0.4% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Top 15.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
-20.6% YoY-35.2% QoQ
|
+0.9% |
0.7%
+5.1% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Top 8.1% in tier |
| NIM |
5.1%
-9.7% YoY-6.7% QoQ
|
+1.5% |
3.6%
+4.6% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 2.1% in tier |
| Efficiency Ratio |
74.7%
+15.8% YoY+17.2% QoQ
|
-3.4% |
78.0%
-1.7% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
0.5%
+0.4% YoY-25.8% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
42% |
| Loan To Share |
83.7%
+0.6% YoY-5.8% QoQ
|
+13.2% |
70.4%
-0.4% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$12,458
-3.6% YoY+0.7% QoQ
|
$-12K |
$24,918
+2.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.6% in tier |
| CD Concentration |
8.5%
-38.9% YoY+16.2% QoQ
|
-15.8% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % |
28.6%
-18.5% YoY-4.1% QoQ
|
+14.8% | 13.8% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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.
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)