BlastPoint's Credit Union Scorecard
TREASURY EMPLOYEES
Charter #5780 · MS
TREASURY EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 14.18% above tier (higher cost structure)
- - Delinquency rate 3.03% above tier average
- - Member decline: -13.6% YoY
- - Net Interest Margin (NIM): Bottom 1.1% in tier
- - Share Certificate Concentration (%): Bottom 1.4% in tier
- - Member Growth Rate: Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 6.1% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits -5.0% year over year ($8.3M in shares and deposits).
- Membership: 386 members, -13.6% vs a year ago.
- Delinquency rate 4.57%.
- Return on assets 0.04%.
- Efficiency ratio 102.95% vs a 88.77% peer average.
- Loan-to-share ratio 21.71% vs a 58.89% 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 |
386
-13.6% YoY-7.0% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 10.5% in tier |
| Assets |
$9.4M
-4.4% YoY-4.0% QoQ
|
$-20.9M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$1.8M
-8.4% YoY-8.5% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$8.3M
-5.0% YoY-4.6% QoQ
|
$-17.5M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.0%
-108.0% YoY-56.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.9% in tier |
| NIM |
1.3%
+88.4% YoY-6.1% QoQ
|
-2.6% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.1% in tier |
| Efficiency Ratio |
102.9%
-42.5% YoY+11.3% QoQ
|
+14.2% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate |
4.6%
+21.9% YoY+4.1% QoQ
|
+3.0 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.2% in tier |
| Loan To Share |
21.7%
-3.6% YoY-4.1% QoQ
|
-37.2% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.9% in tier |
| AMR |
$26,300
+9.3% YoY+1.7% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Top 7.1% in tier |
| CD Concentration |
60.3%
+10.3% YoY+5.8% QoQ
|
+35.8% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)