BlastPoint's Credit Union Scorecard
PINE BELT
Charter #4799 · MS
PINE BELT has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.73% above tier average
- + Loan Growth Rate: Top 6.1% in tier
- + Deposit Growth Rate: Top 6.4% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
- + Net Worth Ratio: Top 8.4% in tier
- + AMR Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Net Charge-Off Rate: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,581
+2.1% YoY+0.8% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$14.1M
+8.1% YoY+6.1% QoQ
|
$-16.1M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
39% |
| Loans |
$9.3M
+14.1% YoY-0.4% QoQ
|
$-6.0M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$10.2M
+11.7% YoY+8.6% QoQ
|
$-15.6M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
-0.2%
-135.0% YoY-397.6% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
4.7%
+7.2% YoY-0.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
87.1%
-10.1% YoY-8.4% QoQ
|
-3.5% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
0.3%
-31.6% YoY-61.8% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
36% |
| Loan To Share |
90.6%
+2.2% YoY-8.3% QoQ
|
+32.1% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 7.9% in tier |
| AMR |
$12,335
+10.4% YoY+3.3% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
36.1%
+6.6% YoY+12.1% QoQ
|
+11.9% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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)