BlastPoint's Credit Union Scorecard
PINE BELT
Charter #4799 · MS
PINE BELT has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.71% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.7% in tier
- + Net Worth Ratio: Top 6.5% in tier
- + AMR Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 7.22% above tier (higher cost structure)
- - Member decline: -5.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,579
-5.2% YoY+1.3% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$13.0M
+1.3% YoY+0.9% QoQ
|
$-16.9M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$9.2M
+6.7% YoY+11.3% QoQ
|
$-6.6M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$9.1M
+1.7% YoY+0.7% QoQ
|
$-16.4M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
34% |
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 |
0.4%
-13.4% YoY+136.8% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
4.6%
-2.8% YoY+4.8% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
88.6%
-3.1% YoY-7.8% QoQ
|
+7.2% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.3%
-44.6% YoY-61.8% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
100.6%
+4.8% YoY+10.5% QoQ
|
+39.4% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Top 3.9% in tier |
| AMR |
$11,558
+9.9% YoY+4.4% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
32.8%
-2.5% YoY-9.1% QoQ
|
+8.4% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)