BlastPoint's Credit Union Scorecard
KEESLER
Charter #5561 · MS
KEESLER has 9 strengths but faces 9 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 5.3% in tier
- + Organic Growth Engine: Top 11.3% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.49% above tier average
- + Strong member growth: 16.6% 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 2.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 29.4% in tier
- - Credit Risk Growth: Bottom 33.3% in tier
- - Credit Quality Pressure: Bottom 63.9% in tier
- - Liquidity Strain: Bottom 71.9% in tier
- - Cost Spiral: Bottom 100.0% in tier
- - Efficiency ratio 4.00% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Total Deposits: Bottom 2.9% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
385,256
+16.6% YoY+0.7% QoQ
|
+92.9K |
292,342
-2.4% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$5.2B
+22.8% YoY+1.8% QoQ
|
$-582.1M |
$5.7B
-0.2% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$3.6B
+14.4% YoY+0.1% QoQ
|
$-544.5M |
$4.2B
-1.6% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$4.0B
+22.3% YoY+2.5% QoQ
|
$-882.6M |
$4.8B
+0.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.0% in tier |
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| ROA |
0.9%
-4.3% YoY-4.5% QoQ
|
+0.1% |
0.8%
+27.9% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
3.5%
-2.9% YoY-5.1% QoQ
|
+0.5% |
3.0%
+8.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
71.3%
+8.5% YoY+2.2% QoQ
|
+4.0% |
67.3%
-3.7% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.9%
+7.7% YoY+18.5% QoQ
|
+0.1 |
0.8%
+17.5% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
91.3%
-6.5% YoY-2.3% QoQ
|
+5.4% |
85.9%
-2.6% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$19,689
+1.6% YoY+0.6% QoQ
|
$-15K |
$34,289
+3.5% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.7% in tier |
| CD Concentration |
25.5%
+1.7% YoY+1.2% QoQ
|
-3.7% | 29.1% | 19.4% | 19.8% | 31% |
| Indirect Auto % |
25.6%
+3.5% YoY-0.6% QoQ
|
+8.5% | 17.1% | 2.5% | 7.8% | 75% |
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 (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)