BlastPoint's Credit Union Scorecard

JACKSON AREA

Charter #8445 · MS

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

JACKSON AREA has 10 strengths but faces 9 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 Engine: Top 25.4% in tier
  • + Organic Growth Leader: Top 34.1% in tier
  • + Wallet Share Momentum: Top 38.9% in tier
  • + Emerging Performer: Top 66.8% in tier
  • + ROA 0.02% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 1.6% in tier
  • + Deposit Growth Rate: Top 2.4% in tier
  • + Asset Growth Rate: Top 3.1% in tier
  • + Members Per Employee (MPE): Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 20.6% in tier
  • - Delinquency rate 0.97% above tier average
  • - Net Interest Margin (NIM): Bottom 0.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
  • - Loan-to-Share Ratio: Bottom 1.9% in tier
  • - Average Member Relationship (AMR): Bottom 2.8% in tier
  • - Total Loans: Bottom 3.8% in tier
  • - Net Charge-Off Rate: Bottom 7.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.8% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 15,651
+3.6% YoY+0.7% QoQ
 +213 15,437
-2.9% YoY
 14,672
+15.4% YoY
 33,374
+5.7% YoY
 60%
Assets $162.4M
+16.1% YoY+5.6% QoQ
 $-69.5M $231.9M
+1.3% YoY
 $175.8M
+23.7% YoY
 $561.6M
+9.7% YoY
 36%
Loans $45.1M
-1.6% YoY-0.7% QoQ
 $-102.2M $147.3M
-0.1% YoY
 $116.9M
+20.6% YoY
 $397.0M
+8.8% YoY
 Bottom 3.7% in tier
Deposits $147.5M
+17.9% YoY+9.2% QoQ
 $-53.3M $200.8M
+0.8% YoY
 $139.2M
+23.5% YoY
 $477.3M
+9.7% YoY
 40%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.8%
+46.3% YoY+31.3% QoQ
 +0.0% 0.8%
+18.2% YoY
 0.8%
+172.9% YoY
 0.7%
+15.9% YoY
 52%
NIM 1.5%
-14.5% YoY-9.6% QoQ
 -2.1% 3.6%
+6.7% YoY
 4.4%
+3.3% YoY
 3.8%
+5.1% YoY
 Bottom 0.4% in tier
Efficiency Ratio 70.3%
-12.6% YoY-5.0% QoQ
 -6.7% 77.0%
-3.1% YoY
 79.5%
-8.9% YoY
 79.7%
-3.3% YoY
 27%
Delinquency Rate 1.9%
+31.8% YoY+44.7% QoQ
 +1.0 0.9%
+4.2% YoY
 2.7%
-0.7% YoY
 1.3%
-2.1% YoY
 Top 8.8% in tier
Loan To Share 30.6%
-16.5% YoY-9.1% QoQ
 -41.6% 72.2%
-1.1% YoY
 68.0%
-1.8% YoY
 67.4%
-1.7% YoY
 Bottom 1.8% in tier
AMR $12,310
+8.8% YoY+5.9% QoQ
 $-12K $24,676
+3.4% YoY
 $12,283
+3.8% YoY
 $19,687
+2.0% YoY
 Bottom 2.7% in tier
CD Concentration 15.5%
+4.3% YoY+2.3% QoQ
 -8.9% 24.4% 19.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.5% 7.8% 50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#152 of 595 • Top 25.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.57%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.78%
(Tier: 0.75%, National: 0.67%)
better 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

Organic Growth Leader

growth
#146 of 426 • Top 34.1% in tier

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

Why This Signature
Member Growth (YoY): 3.57%
(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

Wallet Share Momentum

growth
#200 of 513 • Top 38.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.77%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | New qualifier

Emerging Performer

growth
#122 of 182 • Top 66.8% 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: 0.78%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Member Growth (YoY): 3.57%
(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 (1)

Credit Quality Pressure

risk
#146 of 705 • Bottom 20.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.45% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

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)

Comparing against 1069 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
18
First Mortgage Concentration (%)
balance_sheet
Value: 0.59%
Peer Median: -
#18 of 1069 Top 1.6% in 100M-500M tier
27
Deposit Growth Rate
growth
Value: 17.87%
Peer Median: -
#27 of 1069 Top 2.4% in 100M-500M tier
34
Asset Growth Rate
growth
Value: 16.08%
Peer Median: -
#34 of 1069 Top 3.1% in 100M-500M tier
70
Members Per Employee (MPE)
engagement
Value: 489.094
Peer Median: -
#70 of 1069 Top 6.5% in 100M-500M tier
119
Fee Income Per Member
profitability
Value: $261.24
Peer Median: -
#119 of 1069 Top 11.0% in 100M-500M tier
158
AMR Growth Rate
growth
Value: 8.77%
Peer Median: -
#158 of 1069 Top 14.7% in 100M-500M tier
170
Member Growth Rate
growth
Value: 3.57%
Peer Median: -
#170 of 1069 Top 15.8% in 100M-500M tier
256
Share Certificate Concentration (%)
balance_sheet
Value: 15.50%
Peer Median: -
#256 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1065
Net Interest Margin (NIM)
profitability
Value: 1.51%
Peer Median: -
#1065 of 1069 Bottom 0.5% in 100M-500M tier
1065
Loan-to-Member Ratio (LMR)
engagement
Value: $2,885
Peer Median: -
#1065 of 1069 Bottom 0.5% in 100M-500M tier
1050
Loan-to-Share Ratio
balance_sheet
Value: 30.60%
Peer Median: -
#1050 of 1069 Bottom 1.9% in 100M-500M tier
1040
Average Member Relationship (AMR)
engagement
Value: $12,310
Peer Median: -
#1040 of 1069 Bottom 2.8% in 100M-500M tier
1029
Total Loans
balance_sheet
Value: $45.15M
Peer Median: -
#1029 of 1069 Bottom 3.8% in 100M-500M tier
995
Net Charge-Off Rate
risk
Value: 1.25%
Peer Median: -
#995 of 1069 Bottom 7.0% in 100M-500M tier
976
Total Delinquency Rate (60+ days)
risk
Value: 1.86%
Peer Median: -
#976 of 1069 Bottom 8.8% in 100M-500M tier
917
Net Worth Ratio
risk
Value: 9.06%
Peer Median: -
#917 of 1069 Bottom 14.3% in 100M-500M tier
805
Loan Growth Rate
growth
Value: -1.59%
Peer Median: -
#805 of 1069 Bottom 24.8% in 100M-500M tier
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