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 7.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.82% above tier (higher cost structure)
- - Delinquency rate 2.89% above tier average
- - Member decline: -7.4% YoY
- - Net Interest Margin (NIM): Bottom 1.7% in tier
- - Share Certificate Concentration (%): Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 6.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.0% in tier
- - Member Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
415
-7.4% YoY-7.2% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
Bottom 11.4% in tier |
| Assets |
$9.8M
-3.2% YoY+1.5% QoQ
|
$-20.4M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$2.0M
-6.5% YoY-7.7% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$8.7M
-3.5% YoY+1.8% QoQ
|
$-17.0M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
33% |
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| ROA |
0.1%
-117.2% YoY-168.8% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
1.3%
+120.0% YoY+24.0% QoQ
|
-2.7% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.6% in tier |
| Efficiency Ratio |
92.5%
-52.1% YoY-18.0% QoQ
|
+1.8% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
4.4%
+273.8% YoY-56.8% QoQ
|
+2.9 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.0% in tier |
| Loan To Share |
22.6%
-3.0% YoY-9.3% QoQ
|
-35.9% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.2% in tier |
| AMR |
$25,848
+3.5% YoY+7.6% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 7.5% in tier |
| CD Concentration |
57.0%
+6.8% YoY+1.4% QoQ
|
+32.7% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)