BlastPoint's Credit Union Scorecard
KEESLER
Charter #5561 · MS
KEESLER has 9 strengths but faces 7 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 0.0% in tier
- + Organic Growth Engine: Top 3.4% in tier
- + ROA 0.19% above tier average
- + Net Interest Margin 0.82% above tier average
- + Strong member growth: 16.9% YoY
- + Member Growth Rate: Top 0.0% in tier
- + Asset Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.1% in tier
- - Liquidity Strain: Bottom 17.7% in tier
- - Efficiency ratio 1.64% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Total Deposits: Bottom 2.9% in tier
- - Total Assets: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
382,513
+16.9% YoY+13.0% QoQ
|
+92.8K |
289,724
-2.8% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Top 14.7% in tier |
| Assets |
$5.1B
+22.9% YoY+16.5% QoQ
|
$-723.5M |
$5.8B
+0.2% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.9% in tier |
| Loans |
$3.6B
+15.2% YoY+12.4% QoQ
|
$-467.0M |
$4.1B
-3.1% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$3.9B
+22.5% YoY+15.5% QoQ
|
$-1.0B |
$4.9B
+2.2% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.0% in tier |
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| ROA |
1.0%
-3.7% YoY-16.7% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.7%
+1.9% YoY-1.2% QoQ
|
+0.8% |
2.9%
+3.9% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
69.8%
+7.0% YoY+3.9% QoQ
|
+1.6% |
68.1%
-1.7% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.8%
-6.3% YoY+1.8% QoQ
|
+0.2 |
0.6%
-2.2% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
93.5%
-5.9% YoY-2.7% QoQ
|
+9.8% |
83.6%
-5.7% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$19,567
+1.7% YoY+0.9% QoQ
|
$-15K |
$34,398
+4.0% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
25.2%
+3.4% YoY-0.7% QoQ
|
-3.7% |
28.9%
-1.3% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
30% |
| Indirect Auto % |
25.8%
-0.1% YoY-6.5% QoQ
|
+9.2% |
16.6%
-10.3% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
73% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)