BlastPoint's Credit Union Scorecard
STATEWIDE
Charter #6369 · MS
STATEWIDE has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.72% above tier average
- + Strong member growth: 5.3% YoY
- + Member Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 3.8% in tier
- - Net Charge-Off Rate: Bottom 7.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Mississippi.
- Shares and deposits +7.7% year over year ($190M in shares and deposits).
- Membership: 24,411 members, +5.3% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 0.96%.
- Efficiency ratio 73.96% vs a 76.73% peer average.
- Loan-to-share ratio 67.07% vs a 71.54% 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 |
24,411
+5.3% YoY+1.1% QoQ
|
+9.2K |
15,168
-2.6% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 12.9% in tier |
| Assets |
$211.4M
+7.7% YoY+0.6% QoQ
|
$-20.7M |
$232.0M
+0.7% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$127.4M
+9.6% YoY+2.6% QoQ
|
$-18.9M |
$146.3M
+0.2% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$189.9M
+7.7% YoY+0.4% QoQ
|
$-10.8M |
$200.7M
+0.2% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
1.0%
+112.0% YoY+27.7% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
4.4%
+12.6% YoY+2.1% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
74.0%
-5.0% YoY-0.9% QoQ
|
-2.8% |
76.7%
-0.8% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
0.6%
-23.8% YoY-8.6% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
67.1%
+1.7% YoY+2.2% QoQ
|
-4.5% |
71.5%
-0.3% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$12,997
+3.0% YoY+0.1% QoQ
|
$-12K |
$25,107
+3.2% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.7% in tier |
| CD Concentration |
13.0%
-20.8% YoY-5.2% QoQ
|
-11.6% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)