BlastPoint's Credit Union Scorecard

STATEWIDE

Charter #6369 · MS

1069 CUs in 100M-500M nationally 12 in MS

STATEWIDE has 7 strengths but faces 4 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 13.9% in tier
+ Organic Growth Engine: Top 20.9% in tier
+ Emerging Performer: Top 45.3% in tier
+ Net Interest Margin 0.54% above tier average
+ Strong member growth: 6.1% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Member Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

- ROA 0.02% below tier average
- Average Member Relationship (AMR): Bottom 3.6% in tier
- Net Charge-Off Rate: Bottom 5.5% in tier
- Loan-to-Member Ratio (LMR): Bottom 6.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	23,897 +6.1% YoY+1.6% QoQ	+8.5K	15,437 -2.9% YoY	14,672 +15.4% YoY	33,374 +5.7% YoY	Top 14.3% in tier
Assets	$202.4M +9.6% YoY+2.9% QoQ	$-29.4M	$231.9M +1.3% YoY	$175.8M +23.7% YoY	$561.6M +9.7% YoY	52%
Loans	$122.4M +10.1% YoY+3.5% QoQ	$-25.0M	$147.3M -0.1% YoY	$116.9M +20.6% YoY	$397.0M +8.8% YoY	49%
Deposits	$181.7M +9.2% YoY+2.7% QoQ	$-19.1M	$200.8M +0.8% YoY	$139.2M +23.5% YoY	$477.3M +9.7% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +14.2% YoY+55.1% QoQ	-0.0%	0.8% +18.2% YoY	0.8% +172.9% YoY	0.7% +15.9% YoY	49%
NIM	4.1% +12.6% YoY+2.1% QoQ	+0.5%	3.6% +6.7% YoY	4.4% +3.3% YoY	3.8% +5.1% YoY	79%
Efficiency Ratio	74.2% -6.3% YoY-2.8% QoQ	-2.8%	77.0% -3.1% YoY	79.5% -8.9% YoY	79.7% -3.3% YoY	37%
Delinquency Rate	0.9% -23.9% YoY+55.1% QoQ	-0.0	0.9% +4.2% YoY	2.7% -0.7% YoY	1.3% -2.1% YoY	61%
Loan To Share	67.4% +0.8% YoY+0.7% QoQ	-4.9%	72.2% -1.1% YoY	68.0% -1.8% YoY	67.4% -1.7% YoY	37%
AMR	$12,723 +3.2% YoY+1.4% QoQ	$-12K	$24,676 +3.4% YoY	$12,283 +3.8% YoY	$19,687 +2.0% YoY	Bottom 3.6% in tier
CD Concentration	14.1% -29.2% YoY-8.3% QoQ	-10.3%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.5%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#60 of 426 • Top 13.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.11%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#125 of 595 • Top 20.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.11%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.74%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#83 of 182 • Top 45.3% 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: 0.74%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 6.11%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 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 1069 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Member Growth Rate

growth

Value: 6.11%

Peer Median: -

#73 of 1069 Top 6.7% in 100M-500M tier

135

Members Per Employee (MPE)

engagement

Value: 442.537

Peer Median: -

#135 of 1069 Top 12.5% in 100M-500M tier

153

Total Members

engagement

Value: 23,897

Peer Median: -

#153 of 1069 Top 14.2% in 100M-500M tier

155

Asset Growth Rate

growth

Value: 9.62%

Peer Median: -

#155 of 1069 Top 14.4% in 100M-500M tier

159

Deposit Growth Rate

growth

Value: 9.19%

Peer Median: -

#159 of 1069 Top 14.8% in 100M-500M tier

161

First Mortgage Concentration (%)

balance_sheet

Value: 12.09%

Peer Median: -

#161 of 1069 Top 15.0% in 100M-500M tier

168

Loan Growth Rate

growth

Value: 10.08%

Peer Median: -

#168 of 1069 Top 15.6% in 100M-500M tier

208

Share Certificate Concentration (%)

balance_sheet

Value: 14.08%

Peer Median: -

#208 of 1069 Top 19.4% in 100M-500M tier

223

Net Interest Margin (NIM)

profitability

Value: 4.14%

Peer Median: -

#223 of 1069 Top 20.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1031

Average Member Relationship (AMR)

engagement

Value: $12,723

Peer Median: -

#1031 of 1069 Bottom 3.6% in 100M-500M tier

1011

Net Charge-Off Rate

risk

Value: 1.41%

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

1002

Loan-to-Member Ratio (LMR)

engagement

Value: $5,121

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

862

Net Worth Ratio

risk

Value: 9.43%

Peer Median: -

#862 of 1069 Bottom 19.5% in 100M-500M tier