BlastPoint's Credit Union Scorecard
JACKSON AREA
Charter #8445 · MS
JACKSON AREA has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.1% in tier
- + Organic Growth Engine: Top 15.2% in tier
- + Emerging Performer: Top 70.5% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 1.8% in tier
- + Members Per Employee (MPE): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.4% in tier
- - ROA 0.19% below tier average
- - Delinquency rate 0.43% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Total Loans: Bottom 3.7% in tier
- - Net Charge-Off Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,543
+3.6% YoY-0.1% QoQ
|
-85 |
15,628
-3.4% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$153.7M
+10.2% YoY+7.4% QoQ
|
$-77.6M |
$231.3M
-0.0% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$45.5M
-1.4% YoY-1.0% QoQ
|
$-102.3M |
$147.8M
-1.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.6% in tier |
| Deposits |
$135.1M
+7.4% YoY+4.6% QoQ
|
$-65.2M |
$200.3M
-0.0% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
0.6%
+4.5% YoY+4.0% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
1.7%
-8.8% YoY+6.5% QoQ
|
-1.9% |
3.6%
+6.9% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio |
74.0%
-6.6% YoY-6.5% QoQ
|
-3.3% |
77.3%
-3.0% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.3%
+23.7% YoY-12.7% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
33.7%
-8.1% YoY-5.4% QoQ
|
-39.1% |
72.7%
-1.5% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.5% in tier |
| AMR |
$11,620
+1.4% YoY+3.3% QoQ
|
$-13K |
$24,363
+2.9% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
15.2%
-9.1% YoY+1.6% QoQ
|
-9.3% |
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 (3)
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.
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 (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)