BlastPoint's Credit Union Scorecard

STATEWIDE

Charter #6369 · MS

100M-500M

1070 CUs in 100M-500M nationally 10 in MS

STATEWIDE has 6 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.68% above tier average
+ Strong member growth: 5.5% YoY
+ Member Growth Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Average Member Relationship (AMR): Bottom 3.8% in tier
- Net Charge-Off Rate: Bottom 5.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	24,134 +5.5% YoY+1.0% QoQ	+9.0K	15,145 -2.5% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	Top 13.0% in tier
Assets	$210.0M +8.0% YoY+3.8% QoQ	$-21.7M	$231.7M +0.8% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	54%
Loans	$124.1M +11.6% YoY+1.4% QoQ	$-20.0M	$144.1M +0.2% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	52%
Deposits	$189.2M +8.3% YoY+4.2% QoQ	$-11.9M	$201.1M +0.4% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	56%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +74.2% YoY+1.0% QoQ	+0.0%	0.7% +5.1% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	54%
NIM	4.3% +11.8% YoY+4.1% QoQ	+0.7%	3.6% +4.6% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	Top 14.3% in tier
Efficiency Ratio	74.6% -4.7% YoY+0.5% QoQ	-3.4%	78.0% -1.7% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.6% -31.6% YoY-26.7% QoQ	-0.1	0.8% +7.1% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	53%
Loan To Share	65.6% +3.0% YoY-2.6% QoQ	-4.8%	70.4% -0.4% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	37%
AMR	$12,985 +3.9% YoY+2.1% QoQ	$-12K	$24,918 +2.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	Bottom 3.7% in tier
CD Concentration	13.7% -25.1% YoY-2.6% QoQ	-10.6%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#66 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.47%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#83 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.47%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.75%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#80 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.75%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 5.47%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 5.47%

Peer Median: -0.06%

#95 of 1070 Top 8.8% in 100M-500M tier

128

Loan Growth Rate

growth

Value: 11.62%

Peer Median: 2.93%

#128 of 1070 Top 11.9% in 100M-500M tier

139

Total Members

engagement

Value: 24,134

Peer Median: 13,200

#139 of 1070 Top 12.9% in 100M-500M tier

148

Members Per Employee (MPE)

engagement

Value: 430.964

Peer Median: 309.176

#148 of 1070 Top 13.7% in 100M-500M tier

153

Net Interest Margin (NIM)

profitability

Value: 4.31%

Peer Median: 3.62%

#153 of 1070 Top 14.2% in 100M-500M tier

160

First Mortgage Concentration (%)

balance_sheet

Value: 11.47%

Peer Median: 29.47%

#160 of 1070 Top 14.9% in 100M-500M tier

164

Deposit Growth Rate

growth

Value: 8.33%

Peer Median: 3.30%

#164 of 1070 Top 15.2% in 100M-500M tier

192

Asset Growth Rate

growth

Value: 7.99%

Peer Median: 3.91%

#192 of 1070 Top 17.9% in 100M-500M tier

197

Fee Income Per Member

profitability

Value: $219.36

Peer Median: $154.95

#197 of 1070 Top 18.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1030

Average Member Relationship (AMR)

engagement

Value: $12,985

Peer Median: $22,931

#1030 of 1070 Bottom 3.8% in 100M-500M tier

1016

Net Charge-Off Rate

risk

Value: 1.37%

Peer Median: 0.35%

#1016 of 1070 Bottom 5.1% in 100M-500M tier

998

Loan-to-Member Ratio (LMR)

engagement

Value: $5,144

Peer Median: $9,356

#998 of 1070 Bottom 6.8% in 100M-500M tier

885

Net Worth Ratio

risk

Value: 9.28%

Peer Median: 11.45%

#885 of 1070 Bottom 17.4% in 100M-500M tier