BlastPoint's Credit Union Scorecard
JACKSON AREA
Charter #8445 · MS
JACKSON AREA has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 310.15% above tier average
- + Total Deposits: Top 0.1% in tier
- + Total Members: Top 0.1% in tier
- + Members Per Employee (MPE): Top 5.7% in tier
- + Total Loans: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4707.23% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.2% in tier
- - Net Charge-Off Rate: Bottom 8.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits +5.5% year over year ($136M in shares and deposits).
- Membership: 15,704 members, +0.9% vs a year ago.
- Delinquency rate 1.49%.
- Return on assets 311.64%.
- Efficiency ratio 4795.99% vs a 88.77% peer average.
- Loan-to-share ratio 30.91% vs a 58.89% 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 |
15,704
+0.9% YoY0% QoQ
|
+13.1K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 0.2% in tier |
| Assets |
$60.9M
-57.5% YoY-14.7% QoQ
|
+$30.6M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$42.1M
-8.3% YoY-3.5% QoQ
|
+$26.7M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Top 8.9% in tier |
| Deposits |
$136.2M
+5.5% YoY-8.1% QoQ
|
+$110.4M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Top 0.1% in tier |
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| ROA |
311.6%
+54457.3% YoY-160.6% QoQ
|
+310.2% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Top 0.1% in tier |
| NIM |
3.0%
+90.4% YoY-14.3% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
4796.0%
+5961.5% YoY-14.1% QoQ
|
+4707.2% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.1% in tier |
| Delinquency Rate |
1.5%
+0.9% YoY+25.0% QoQ
|
-0.1 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
30.9%
-13.1% YoY+4.9% QoQ
|
-28.0% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.8% in tier |
| AMR |
$11,357
+0.9% YoY-7.0% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
14.4%
-3.6% YoY-8.1% QoQ
|
-10.2% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)