BlastPoint's Credit Union Scorecard
SINGING RIVER
Charter #8694 · MS
SINGING RIVER has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 39.7% in tier
- + Net Interest Margin 0.94% above tier average
- + Strong member growth: 34.1% YoY
- + Member Growth Rate: Top 0.9% in tier
- + Asset Growth Rate: Top 1.7% in tier
- + Deposit Growth Rate: Top 1.8% in tier
- + Total Loans: Top 3.6% in tier
- + Loan Growth Rate: Top 4.1% in tier
- + Total Members: Top 4.9% in tier
- + Loan-to-Share Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 8.2% in tier
- - Indirect Auto Dependency: Bottom 24.0% in tier
- - Liquidity Strain: Bottom 33.9% in tier
- - ROA 0.18% below tier average
- - AMR Growth Rate: Bottom 1.4% in tier
- - Share Certificate Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,619
+34.1% YoY+1.3% QoQ
|
+17.2K |
15,437
-2.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Top 5.0% in tier |
| Assets |
$393.6M
+21.8% YoY+2.1% QoQ
|
+$161.7M |
$231.9M
+1.3% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Top 11.9% in tier |
| Loans |
$324.4M
+18.7% YoY+1.2% QoQ
|
+$177.0M |
$147.3M
-0.1% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Top 3.7% in tier |
| Deposits |
$346.1M
+21.1% YoY+2.2% QoQ
|
+$145.3M |
$200.8M
+0.8% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Top 11.0% in tier |
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| ROA |
0.6%
-39.9% YoY-4.6% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
4.5%
+24.8% YoY+1.1% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 8.4% in tier |
| Efficiency Ratio |
68.6%
-5.7% YoY+1.1% QoQ
|
-8.4% |
77.0%
-3.1% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.4%
-9.0% YoY+25.7% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
93.7%
-2.0% YoY-1.0% QoQ
|
+21.5% |
72.2%
-1.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 8.5% in tier |
| AMR |
$20,555
-10.6% YoY+0.5% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
45.0%
-7.0% YoY+6.2% QoQ
|
+20.6% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
29.2%
-12.7% YoY+1.2% QoQ
|
+15.4% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)