BlastPoint's Credit Union Scorecard
WATER'S EDGE
Charter #8593 · MS
WATER'S EDGE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 18.99% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Net Worth Ratio: Bottom 2.0% in tier
- - Share Certificate Concentration (%): Bottom 3.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
597
-4.6% YoY-2.1% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$5.1M
-3.8% YoY-2.1% QoQ
|
$-25.1M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$2.4M
-12.3% YoY-5.1% QoQ
|
$-12.9M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$4.5M
-3.9% YoY-2.2% QoQ
|
$-21.3M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
21% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.3%
-394.2% YoY-39.4% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
4.0%
-11.3% YoY-2.3% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
109.6%
+16.9% YoY+0.4% QoQ
|
+19.0% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.7% in tier |
| Delinquency Rate |
1.1%
+72.3% YoY-83.8% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
54.0%
-8.7% YoY-3.0% QoQ
|
-4.5% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
43% |
| AMR |
$11,577
-2.5% YoY-1.1% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
51.4%
+0.4% YoY-7.2% QoQ
|
+27.1% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)