BlastPoint's Credit Union Scorecard
JACKSON AREA
Charter #8445 · MS
<100M
2508 CUs in <100M nationally
42 in MS
JACKSON AREA has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.1% in tier
- + Total Members: Top 0.1% in tier
- + Fee Income Per Member: Top 2.2% in tier
- + Deposit Growth Rate: Top 3.3% in tier
- + Total Loans: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 514.40% below tier average
- - Efficiency ratio 5491.63% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 0.3% in tier
- - Net Charge-Off Rate: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,704
+0.3% YoY+0.3% QoQ
|
+13.0K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
Top 0.2% in tier |
| Assets |
$71.4M
-50.2% YoY-56.1% QoQ
|
+$41.2M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
Top 11.6% in tier |
| Loans |
$43.7M
-3.7% YoY-3.3% QoQ
|
+$28.4M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
Top 7.5% in tier |
| Deposits |
$148.2M
+14.5% YoY+0.4% QoQ
|
+$122.4M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Top 0.1% in tier |
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| ROA |
-514.3%
-134356.0% YoY-66012.2% QoQ
|
-514.4% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.1% in tier |
| NIM |
3.5%
+134.4% YoY+130.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
5582.3%
+7253.9% YoY+7838.1% QoQ
|
+5491.6% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate |
1.2%
-14.3% YoY-36.0% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
29.5%
-15.9% YoY-3.7% QoQ
|
-29.0% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.2% in tier |
| AMR |
$12,216
+9.4% YoY-0.8% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
15.6%
+6.8% YoY+1.0% QoQ
|
-8.6% | 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)
Top Strengths (9 metrics)
1
Total Deposits
balance_sheet
Value:
$148.18M
Peer Median: $18.77M
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
4
Total Members
engagement
Value:
15,704
Peer Median: 1,918
#4 of 2508
Top 0.1% in <100M tier
56
Fee Income Per Member
profitability
Value:
$267.74
Peer Median: $60.42
#56 of 2508
Top 2.2% in <100M tier
85
Deposit Growth Rate
growth
Value:
14.47%
Peer Median: 0.66%
#85 of 2508
Top 3.3% in <100M tier
189
Total Loans
balance_sheet
Value:
$43.66M
Peer Median: $9.48M
#189 of 2508
Top 7.5% in <100M tier
272
AMR Growth Rate
growth
Value:
9.37%
Peer Median: 1.27%
#272 of 2508
Top 10.8% in <100M tier
291
Total Assets
balance_sheet
Value:
$71.36M
Peer Median: $21.86M
#291 of 2508
Top 11.6% in <100M tier
386
Members Per Employee (MPE)
engagement
Value:
490.750
Peer Median: 333.750
#386 of 2508
Top 15.4% in <100M tier
Top Weaknesses (7 metrics)
2508
Return on Assets (ROA)
profitability
Value:
-514.26%
Peer Median: 0.61%
#2508 of 2508
Bottom 0.1% in <100M tier
2508
Net Worth Ratio
risk
Value:
-107.94%
Peer Median: 14.28%
#2508 of 2508
Bottom 0.1% in <100M tier
2501
Asset Growth Rate
growth
Value:
-50.16%
Peer Median: 1.30%
#2501 of 2508
Bottom 0.3% in <100M tier
2498
Efficiency Ratio
profitability
Value:
5582.26%
Peer Median: 81.45%
#2498 of 2508
Bottom 0.4% in <100M tier
2264
Net Charge-Off Rate
risk
Value:
1.39%
Peer Median: 0.07%
#2264 of 2508
Bottom 9.8% in <100M tier
2225
Loan-to-Share Ratio
balance_sheet
Value:
29.46%
Peer Median: 58.72%
#2225 of 2508
Bottom 11.3% in <100M tier
1954
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,780
Peer Median: $4,923
#1954 of 2508
Bottom 22.1% in <100M tier