BlastPoint's Credit Union Scorecard

SINGING RIVER

Charter #8694 · MS

100M-500M

1070 CUs in 100M-500M nationally 10 in MS

SINGING RIVER has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.81% above tier average
+ Net Interest Margin 1.01% above tier average
+ Total Loans: Top 3.4% in tier
+ Total Members: Top 4.4% in tier
+ Loan-to-Share Ratio: Top 8.3% in tier
+ Fee Income Per Member: Top 8.7% in tier
+ Total Deposits: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	32,756 +3.1% YoY+0.4% QoQ	+17.6K	15,145 -2.5% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	Top 4.5% in tier
Assets	$402.5M +3.4% YoY+2.2% QoQ	+$170.8M	$231.7M +0.8% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	Top 10.7% in tier
Loans	$325.1M +5.2% YoY+0.2% QoQ	+$180.9M	$144.1M +0.2% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	Top 3.5% in tier
Deposits	$353.7M +2.0% YoY+2.2% QoQ	+$152.5M	$201.1M +0.4% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	Top 10.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +290.1% YoY+165.1% QoQ	+0.8%	0.7% +5.1% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	Top 10.6% in tier
NIM	4.6% +3.1% YoY+2.2% QoQ	+1.0%	3.6% +4.6% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	Top 7.3% in tier
Efficiency Ratio	66.2% -7.5% YoY-3.6% QoQ	-11.9%	78.0% -1.7% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	17%
Delinquency Rate	0.6% +0.8% YoY+45.5% QoQ	-0.2	0.8% +7.1% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	48%
Loan To Share	91.9% +3.1% YoY-1.9% QoQ	+21.5%	70.4% -0.4% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	Top 8.4% in tier
AMR	$20,721 +0.4% YoY+0.8% QoQ	$-4K	$24,918 +2.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	36%
CD Concentration	44.5% +2.4% YoY-1.2% QoQ	+20.2%	24.3%	19.6%	19.8%	50%
Indirect Auto %	29.1% -1.2% YoY-0.5% QoQ	+15.3%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#332 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.41%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 29.08%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.12%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Strain

risk

#135 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.91%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.15%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Credit Risk Growth

risk

#434 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.15%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#716 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

Total Loans

balance_sheet

Value: $325.07M

Peer Median: $121.41M

#37 of 1070 Top 3.4% in 100M-500M tier

Total Members

engagement

Value: 32,756

Peer Median: 13,200

#48 of 1070 Top 4.4% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.64%

Peer Median: 3.62%

#78 of 1070 Top 7.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.91%

Peer Median: 71.88%

#90 of 1070 Top 8.3% in 100M-500M tier

Fee Income Per Member

profitability

Value: $263.00

Peer Median: $154.95

#94 of 1070 Top 8.7% in 100M-500M tier

108

Total Deposits

balance_sheet

Value: $353.67M

Peer Median: $171.29M

#108 of 1070 Top 10.0% in 100M-500M tier

113

Return on Assets (ROA)

profitability

Value: 1.54%

Peer Median: 0.69%

#113 of 1070 Top 10.5% in 100M-500M tier

114

Total Assets

balance_sheet

Value: $402.46M

Peer Median: $196.57M

#114 of 1070 Top 10.6% in 100M-500M tier

185

Efficiency Ratio

profitability

Value: 66.17%

Peer Median: 78.68%

#185 of 1070 Top 17.2% in 100M-500M tier

205

Member Growth Rate

growth

Value: 3.12%

Peer Median: -0.06%

#205 of 1070 Top 19.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1030

Share Certificate Concentration (%)

balance_sheet

Value: 44.47%

Peer Median: 23.10%

#1030 of 1070 Bottom 3.8% in 100M-500M tier

900

Indirect Auto Concentration (%)

balance_sheet

Value: 29.08%

Peer Median: 6.61%

#900 of 1070 Bottom 16.0% in 100M-500M tier

887

Net Charge-Off Rate

risk

Value: 0.78%

Peer Median: 0.35%

#887 of 1070 Bottom 17.2% in 100M-500M tier

823

AMR Growth Rate

growth

Value: 0.36%

Peer Median: 3.46%

#823 of 1070 Bottom 23.2% in 100M-500M tier