BlastPoint's Credit Union Scorecard

MISSISSIPPI DHS

Charter #8052 · MS

<100M

2508 CUs in <100M nationally 42 in MS

MISSISSIPPI DHS has 1 strength but faces 2 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

+ Net Interest Margin 0.54% above tier average

Key Concerns

Areas that may need attention

- ROA 0.85% below tier average
- Efficiency ratio 16.81% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	2,200 +1.1% YoY+0.4% QoQ	-476	2,676 +1.6% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	56%
Assets	$10.5M +0.8% YoY+3.5% QoQ	$-19.7M	$30.2M +1.3% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	32%
Loans	$4.5M +5.1% YoY-5.4% QoQ	$-10.8M	$15.3M -2.0% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	32%
Deposits	$9.0M +1.1% YoY+4.3% QoQ	$-16.8M	$25.8M +0.7% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	33%

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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	-0.7% +298.0% YoY	-0.9%	0.1% -77.6% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	Bottom 10.7% in tier
NIM	4.5% -6.5% YoY-10.6% QoQ	+0.5%	4.0% +4.0% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	107.4% +7.4% YoY+12.5% QoQ	+16.8%	90.6% +6.5% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	Bottom 11.0% in tier
Delinquency Rate	0.9% +3.1% YoY+400.0% QoQ	-0.6	1.5% +3.8% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	60%
Loan To Share	50.3% +4.0% YoY-9.4% QoQ	-8.2%	58.5% -3.0% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	37%
AMR	$6,138 +1.3% YoY+0.4% QoQ	$-9K	$14,884 -1.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	Bottom 12.0% in tier
CD Concentration	16.1% +4.0% YoY-4.3% QoQ	-8.2%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

256

Members Per Employee (MPE)

engagement

Value: 550.000

Peer Median: 333.750

#256 of 2508 Top 10.2% in <100M tier

504

Loan Growth Rate

growth

Value: 5.13%

Peer Median: -2.36%

#504 of 2508 Top 20.1% in <100M tier

551

Net Interest Margin (NIM)

profitability

Value: 4.55%

Peer Median: 3.83%

#551 of 2508 Top 21.9% in <100M tier

575

Member Growth Rate

growth

Value: 1.06%

Peer Median: -1.37%

#575 of 2508 Top 22.9% in <100M tier

Top Weaknesses (4 metrics)

2240

Return on Assets (ROA)

profitability

Value: -0.71%

Peer Median: 0.61%

#2240 of 2508 Bottom 10.7% in <100M tier

2234

Efficiency Ratio

profitability

Value: 107.44%

Peer Median: 81.45%

#2234 of 2508 Bottom 11.0% in <100M tier

2206

Average Member Relationship (AMR)

engagement

Value: $6,138

Peer Median: $13,926

#2206 of 2508 Bottom 12.1% in <100M tier

2153

Loan-to-Member Ratio (LMR)

engagement

Value: $2,054

Peer Median: $4,923

#2153 of 2508 Bottom 14.2% in <100M tier