BlastPoint's Credit Union Scorecard
STATEWIDE
Charter #6369 · MS
STATEWIDE has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 6.5% in tier
- + Organic Growth Engine: Top 13.5% in tier
- + Net Interest Margin 0.47% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,510
+4.8% YoY+1.4% QoQ
|
+7.9K |
15,628
-3.4% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$196.8M
+8.1% YoY+0.2% QoQ
|
$-34.5M |
$231.3M
-0.0% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$118.3M
+8.6% YoY+1.8% QoQ
|
$-29.5M |
$147.8M
-1.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$176.8M
+8.4% YoY+0.3% QoQ
|
$-23.5M |
$200.3M
-0.0% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.5%
-18.3% YoY+6.0% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
4.1%
+10.6% YoY+3.7% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
76.4%
-5.1% YoY-1.9% QoQ
|
-0.9% |
77.3%
-3.0% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.6%
-34.4% YoY-26.7% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
66.9%
+0.2% YoY+1.4% QoQ
|
-5.8% |
72.7%
-1.5% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$12,551
+3.5% YoY-0.5% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.3% in tier |
| CD Concentration |
15.3%
-29.5% YoY-6.4% QoQ
|
-9.1% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)