BlastPoint's Credit Union Scorecard
WATER'S EDGE
Charter #8593 · MS
WATER'S EDGE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% 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 1.12% below tier average
- - Efficiency ratio 26.60% above tier (higher cost structure)
- - Delinquency rate 5.28% above tier average
- - Member decline: -7.9% YoY
- - Net Worth Ratio: Bottom 1.6% in tier
- - Share Certificate Concentration (%): Bottom 2.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Member Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
610
-7.9% YoY-0.7% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$5.2M
-0.6% YoY-2.3% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$2.6M
-8.1% YoY-3.9% QoQ
|
$-13.2M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$4.6M
-0.1% YoY-2.1% QoQ
|
$-21.1M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
-0.5%
-10.6% YoY-385.3% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.9% in tier |
| NIM |
4.1%
-10.3% YoY-3.2% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
109.2%
+21.3% YoY+15.8% QoQ
|
+26.6% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
6.8%
+72.4% YoY+448.8% QoQ
|
+5.3 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 3.6% in tier |
| Loan To Share |
55.7%
-8.0% YoY-1.9% QoQ
|
-4.9% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$11,707
+5.1% YoY-2.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
55.4%
+1.6% YoY+3.1% QoQ
|
+31.0% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)