BlastPoint's Credit Union Scorecard
WATER'S EDGE
Charter #8593 · MS
WATER'S EDGE has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 12.90% above tier (higher cost structure)
- - Member decline: -5.8% YoY
- - Share Certificate Concentration (%): Bottom 2.3% in tier
- - Net Worth Ratio: Bottom 3.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
614
-5.8% YoY-0.2% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$5.4M
-0.7% YoY+2.2% QoQ
|
$-24.5M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$2.7M
-9.4% YoY-0.2% QoQ
|
$-13.1M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$4.7M
-0.5% YoY+2.1% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
0.2%
-189.4% YoY-887.8% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
4.2%
-7.8% YoY-3.1% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
94.3%
+8.4% YoY+3.7% QoQ
|
+12.9% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
1.2%
-27.9% YoY+63.0% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
56.8%
-8.9% YoY-2.2% QoQ
|
-4.5% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$11,962
+2.0% YoY+1.4% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration |
53.7%
+1.0% YoY+5.9% QoQ
|
+29.3% |
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 (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)