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 57.6% in tier
- + Net Interest Margin 0.52% above tier average
- + Strong member growth: 17.3% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.1% in tier
- - Cost Spiral: Bottom 4.7% in tier
- - Credit Risk Growth: Bottom 12.5% in tier
- - Credit Quality Pressure: Bottom 14.1% in tier
- - Margin Compression: Bottom 57.6% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 8.81% above tier (higher cost structure)
- - Delinquency rate 0.25% above tier average
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in Mississippi.
- Shares and deposits +21.1% year over year ($4.06B in shares and deposits).
- Membership: 397,213 members, +17.3% vs a year ago.
- Delinquency rate 1.04%.
- Return on assets 0.85%.
- Efficiency ratio 73.99% vs a 65.18% peer average.
- Loan-to-share ratio 89.91% vs a 85.64% 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 |
397,213
+17.3% YoY+0.5% QoQ
|
+86.3K |
310,918
+6.0% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
85% |
| Assets |
$5.3B
+21.8% YoY+1.1% QoQ
|
$-488.3M |
$5.8B
-1.1% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$3.6B
+13.4% YoY+1.6% QoQ
|
$-552.3M |
$4.2B
-0.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$4.1B
+21.1% YoY+0.7% QoQ
|
$-837.5M |
$4.9B
-1.3% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.6% in tier |
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| ROA |
0.8%
-28.6% YoY+23.3% QoQ
|
-0.1% |
0.9%
+35.3% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
3.7%
-1.1% YoY+1.4% QoQ
|
+0.5% |
3.2%
+9.5% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
74.0%
+10.2% YoY-1.9% QoQ
|
+8.8% |
65.2%
-9.0% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
1.0%
+35.9% YoY-6.1% QoQ
|
+0.3 |
0.8%
+23.8% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
89.9%
-6.4% YoY+0.9% QoQ
|
+4.3% |
85.6%
-0.2% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$19,398
+0.0% YoY+0.6% QoQ
|
$-13K |
$32,010
-7.3% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
27.2%
+7.2% YoY+5.6% QoQ
|
-1.1% | 28.3% | 19.9% | 20.0% | 42% |
| Indirect Auto % |
25.7%
-6.7% YoY+2.9% QoQ
|
+8.9% | 16.8% | 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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)