BlastPoint's Credit Union Scorecard

NAVIGATOR

Charter #24954 · MS

100M-500M

1024 CUs in 100M-500M nationally 10 in MS

NAVIGATOR has 7 strengths but faces 6 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

+ ROA 0.81% above tier average
+ Net Interest Margin 1.47% above tier average
+ Total Members: Top 0.5% in tier
+ Fee Income Per Member: Top 3.1% in tier
+ Net Worth Ratio: Top 5.9% in tier
+ Total Loans: Top 9.3% in tier
+ Total Assets: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Average Member Relationship (AMR): Bottom 3.2% in tier
- Net Charge-Off Rate: Bottom 5.8% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Mississippi.
Shares and deposits +2.9% year over year ($328M in shares and deposits).
Membership: 47,805 members, +0.9% vs a year ago.
Delinquency rate 0.38%.
Return on assets 1.67%.
Efficiency ratio 72.64% vs a 76.73% peer average.
Loan-to-share ratio 84.98% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	47,805 +0.9% YoY+0.7% QoQ	+32.6K	15,168 -2.6% YoY	15,019 +10.4% YoY	34,678 +6.6% YoY	Top 0.6% in tier
Assets	$406.7M +4.6% YoY+2.0% QoQ	+$174.7M	$232.0M +0.7% YoY	$179.3M +15.8% YoY	$593.1M +10.2% YoY	Top 10.1% in tier
Loans	$278.4M +0.6% YoY+3.3% QoQ	+$132.2M	$146.3M +0.2% YoY	$118.9M +12.9% YoY	$418.6M +10.1% YoY	Top 9.4% in tier
Deposits	$327.7M +2.9% YoY+1.7% QoQ	+$126.9M	$200.7M +0.2% YoY	$142.7M +16.5% YoY	$504.8M +10.3% YoY	Top 13.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.7% -21.4% YoY+1.5% QoQ	+0.8%	0.9% +12.5% YoY	6.8% +536.0% YoY	1.2% +121.4% YoY	Top 8.1% in tier
NIM	5.2% -7.0% YoY+0.4% QoQ	+1.5%	3.7% +4.5% YoY	4.4% +0.2% YoY	3.8% +2.3% YoY	Top 2.1% in tier
Efficiency Ratio	72.6% +10.8% YoY-2.7% QoQ	-4.1%	76.7% -0.8% YoY	168.1% +110.0% YoY	83.0% -5.3% YoY	34%
Delinquency Rate	0.4% -18.0% YoY-26.3% QoQ	-0.5	0.9% +6.6% YoY	2.3% +20.5% YoY	1.3% +2.6% YoY	26%
Loan To Share	85.0% -2.2% YoY+1.6% QoQ	+13.4%	71.5% -0.3% YoY	65.7% -3.6% YoY	66.4% -1.4% YoY	76%
AMR	$12,678 +0.9% YoY+1.8% QoQ	$-12K	$25,107 +3.2% YoY	$12,280 +0.8% YoY	$20,028 -0.9% YoY	Bottom 3.1% in tier
CD Concentration	10.4% +1.0% YoY+22.5% QoQ	-14.2%	24.6%	19.9%	20.0%	50%
Indirect Auto %	25.9% -23.4% YoY-9.3% QoQ	+12.3%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Margin Compression

decline

#5 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.67%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.12%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.45% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Cost Spiral

risk

#50 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.08% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.56%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#261 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 4.57%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 25.91%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 0.92%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Liquidity Overhang

risk

#103 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.98%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 84.98%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (10 metrics)

Total Members

engagement

Value: 47,805

Peer Median: 13,128

#6 of 1024 Top 0.5% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.15%

Peer Median: 3.67%

#22 of 1024 Top 2.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $329.04

Peer Median: $159.88

#33 of 1024 Top 3.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.98%

Peer Median: 11.71%

#61 of 1024 Top 5.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.67%

Peer Median: 0.75%

#83 of 1024 Top 8.0% in 100M-500M tier

Total Loans

balance_sheet

Value: $278.43M

Peer Median: $124.04M

#96 of 1024 Top 9.3% in 100M-500M tier

103

Total Assets

balance_sheet

Value: $406.70M

Peer Median: $196.38M

#103 of 1024 Top 10.0% in 100M-500M tier

109

Share Certificate Concentration (%)

balance_sheet

Value: 10.36%

Peer Median: 23.39%

#109 of 1024 Top 10.5% in 100M-500M tier

141

Total Deposits

balance_sheet

Value: $327.66M

Peer Median: $170.77M

#141 of 1024 Top 13.7% in 100M-500M tier

251

Loan-to-Share Ratio

balance_sheet

Value: 84.98%

Peer Median: 73.07%

#251 of 1024 Top 24.4% in 100M-500M tier

Top Weaknesses (4 metrics)

992

Average Member Relationship (AMR)

engagement

Value: $12,678

Peer Median: $23,006

#992 of 1024 Bottom 3.2% in 100M-500M tier

966

Net Charge-Off Rate

risk

Value: 1.29%

Peer Median: 0.34%

#966 of 1024 Bottom 5.8% in 100M-500M tier

904

Loan-to-Member Ratio (LMR)

engagement

Value: $5,824

Peer Median: $9,434

#904 of 1024 Bottom 11.8% in 100M-500M tier

819

Indirect Auto Concentration (%)

balance_sheet

Value: 25.91%

Peer Median: 6.15%

#819 of 1024 Bottom 20.1% in 100M-500M tier