BlastPoint's Credit Union Scorecard
TREASURY EMPLOYEES
Charter #5780 · MS
2556 CUs in <100M nationally
41 in MS
TREASURY EMPLOYEES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Average Member Relationship (AMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 30.20% above tier (higher cost structure)
- - Delinquency rate 8.62% above tier average
- - Net Interest Margin (NIM): Bottom 1.1% in tier
- - Share Certificate Concentration (%): Bottom 1.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Loan-to-Share Ratio: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
447
-0.7% YoY-0.2% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.3% in tier |
| Assets |
$9.6M
-6.0% YoY+1.8% QoQ
|
$-20.5M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$2.1M
+0.5% YoY+6.0% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$8.6M
-6.4% YoY+2.0% QoQ
|
$-17.1M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
-0.1%
-72.9% YoY-70.2% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.3% in tier |
| NIM |
1.1%
+79.0% YoY+46.9% QoQ
|
-2.9% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio |
112.8%
-39.4% YoY-31.4% QoQ
|
+30.2% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Top 5.7% in tier |
| Delinquency Rate |
10.2%
+213.4% QoQ
|
+8.6 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 2.2% in tier |
| Loan To Share |
24.9%
+7.4% YoY+3.9% QoQ
|
-35.7% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.7% in tier |
| AMR |
$24,027
-4.5% YoY+3.0% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Top 10.0% in tier |
| CD Concentration |
56.2%
+8.9% YoY-3.6% QoQ
|
+31.8% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
255
Average Member Relationship (AMR)
engagement
Value:
$24,027
Peer Median: -
#255 of 2556
Top 9.9% in <100M tier
535
Members Per Employee (MPE)
engagement
Value:
447.000
Peer Median: -
#535 of 2556
Top 20.9% in <100M tier
Top Weaknesses (13 metrics)
2530
Net Interest Margin (NIM)
profitability
Value:
1.09%
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2509
Share Certificate Concentration (%)
balance_sheet
Value:
56.24%
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier
2500
Total Delinquency Rate (60+ days)
risk
Value:
10.18%
Peer Median: -
#2500 of 2556
Bottom 2.2% in <100M tier
2412
Efficiency Ratio
profitability
Value:
112.76%
Peer Median: -
#2412 of 2556
Bottom 5.7% in <100M tier
2383
Loan-to-Share Ratio
balance_sheet
Value:
24.95%
Peer Median: -
#2383 of 2556
Bottom 6.8% in <100M tier
2272
Asset Growth Rate
growth
Value:
-5.96%
Peer Median: -
#2272 of 2556
Bottom 11.2% in <100M tier
2241
Total Members
engagement
Value:
447
Peer Median: -
#2241 of 2556
Bottom 12.4% in <100M tier
2229
Fee Income Per Member
profitability
Value:
$4.28
Peer Median: -
#2229 of 2556
Bottom 12.8% in <100M tier
2217
Return on Assets (ROA)
profitability
Value:
-0.15%
Peer Median: -
#2217 of 2556
Bottom 13.3% in <100M tier
2209
Deposit Growth Rate
growth
Value:
-6.41%
Peer Median: -
#2209 of 2556
Bottom 13.6% in <100M tier