BlastPoint's Credit Union Scorecard
KEESLER
Charter #5561 · MS
KEESLER has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 63.6% in tier
- + Net Interest Margin 0.52% above tier average
- + Strong member growth: 18.0% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 2.7% in tier
- + Loan Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 1.6% in tier
- - Indirect Auto Dependency: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 6.2% in tier
- - Credit Risk Growth: Bottom 15.6% in tier
- - Shrinking Wallet Share: Bottom 87.5% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 8.85% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
395,107
+18.0% YoY+2.6% QoQ
|
+87.3K |
307,793
+7.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$5.2B
+21.1% YoY+1.5% QoQ
|
$-528.7M |
$5.8B
-0.2% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$3.6B
+12.5% YoY-0.9% QoQ
|
$-565.0M |
$4.2B
+0.4% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$4.0B
+20.4% YoY+1.6% QoQ
|
$-865.6M |
$4.9B
+0.2% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.1% in tier |
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| ROA |
0.7%
-52.4% YoY-27.2% QoQ
|
-0.2% |
0.9%
+47.0% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
3.7%
-0.2% YoY+4.0% QoQ
|
+0.5% |
3.2%
+9.8% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
75.4%
+19.9% YoY+5.8% QoQ
|
+8.9% |
66.6%
-11.0% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
1.1%
+50.3% YoY+20.0% QoQ
|
+0.4 |
0.7%
+23.3% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.5% in tier |
| Loan To Share |
89.1%
-6.6% YoY-2.5% QoQ
|
+4.4% |
84.7%
-0.7% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$19,286
-1.3% YoY-2.0% QoQ
|
$-13K |
$32,237
-7.3% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.1% in tier |
| CD Concentration |
25.7%
+2.0% YoY+1.0% QoQ
|
-2.9% | 28.6% | 19.6% | 19.8% | 36% |
| Indirect Auto % |
25.0%
-8.3% YoY-2.4% QoQ
|
+8.6% | 16.4% | 2.4% | 7.7% | 74% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)