SINGING RIVER
Charter #8694 | MS
100M-500M
(1077 CUs)
Micro
($0-$500M)
12 100M-500M in MS
SINGING RIVER has 10 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.8% in tier
- + Net Interest Margin 0.91% above tier average
- + Strong member growth: 33.6% YoY
- + Member Growth Rate: Top 1.1% in tier
- + Asset Growth Rate: Top 3.1% in tier
- + Deposit Growth Rate: Top 3.7% in tier
- + Total Loans: Top 4.2% in tier
- + Loan Growth Rate: Top 4.9% in tier
- + Total Members: Top 5.5% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 1.5% in tier
- - Indirect Auto Dependency: Bottom 8.2% in tier
- - Liquidity Strain: Bottom 8.3% in tier
- - ROA 0.18% below tier average
- - AMR Growth Rate: Bottom 1.3% in tier
- - Share Certificate Concentration (%): Bottom 4.8% in tier
- - Net Charge-Off Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,213
+33.6% YoY+1.0% QoQ
|
+16.6K |
15,628
-3.4% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Top 5.6% in tier |
| Assets |
$385.4M
+16.5% YoY-0.1% QoQ
|
+$154.1M |
$231.3M
-0.0% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Top 12.9% in tier |
| Loans |
$320.5M
+17.6% YoY+0.9% QoQ
|
+$172.7M |
$147.8M
-1.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Top 4.3% in tier |
| Deposits |
$338.5M
+15.4% YoY-1.0% QoQ
|
+$138.2M |
$200.3M
-0.0% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Top 11.7% in tier |
| ROA |
0.6%
-36.7% YoY+2.1% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
40th in tier |
| NIM |
4.5%
+24.7% YoY+3.8% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
67.9%
-6.6% YoY-2.3% QoQ
|
-9.4% |
77.3%
-3.0% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 21.2% in tier |
| Delinquency Rate |
0.3%
-14.1% YoY-25.9% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 19.9% in tier |
| Loan To Share |
94.7%
+2.0% YoY+1.9% QoQ
|
+22.0% |
72.7%
-1.5% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Top 7.8% in tier |
| AMR |
$20,458
-12.8% YoY-1.1% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
38th in tier |
| CD Concentration |
42.4%
-15.3% YoY+1.5% QoQ
|
+18.0% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
28.9%
-14.3% YoY+0.7% QoQ
|
+14.9% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growth
#235 of 603 • Top 12.8% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
33.61%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.61%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
28.88%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Concerns (3)
Shrinking Wallet Share
decline
#16 of 244 • Bottom 1.5% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-12.84%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#132 of 525 • Bottom 8.2% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
16.48%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
28.88%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
33.61%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Liquidity Strain
risk
#65 of 258 • Bottom 8.3% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
94.67%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
17.65%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank improving
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)
Top Strengths (14 metrics)
13
Member Growth Rate
growth
Value:
33.61%
Peer Avg: 0.72%
#13 of 1077
Top 1.1% in 100M-500M tier
34
Asset Growth Rate
growth
Value:
16.48%
Peer Avg: 4.70%
#34 of 1077
Top 3.1% in 100M-500M tier
41
Deposit Growth Rate
growth
Value:
15.37%
Peer Avg: 4.69%
#41 of 1077
Top 3.7% in 100M-500M tier
46
Total Loans
balance_sheet
Value:
$320.48M
Peer Avg: $147.80M
#46 of 1077
Top 4.2% in 100M-500M tier
54
Loan Growth Rate
growth
Value:
17.65%
Peer Avg: 3.45%
#54 of 1077
Top 4.9% in 100M-500M tier
60
Total Members
engagement
Value:
32,213
Peer Avg: 15,628
#60 of 1077
Top 5.5% in 100M-500M tier
84
Loan-to-Share Ratio
balance_sheet
Value:
94.67%
Peer Avg: 72.70%
#84 of 1077
Top 7.7% in 100M-500M tier
98
Net Interest Margin (NIM)
profitability
Value:
4.49%
Peer Avg: 3.58%
#98 of 1077
Top 9.0% in 100M-500M tier
109
Fee Income Per Member
profitability
Value:
$266.93
Peer Avg: $174.31
#109 of 1077
Top 10.0% in 100M-500M tier
126
Total Deposits
balance_sheet
Value:
$338.52M
Peer Avg: $200.29M
#126 of 1077
Top 11.6% in 100M-500M tier
Top Weaknesses (4 metrics)
1064
AMR Growth Rate
growth
Value:
-12.84%
Peer Avg: 3.64%
#1064 of 1077
Bottom 1.3% in 100M-500M tier
1026
Share Certificate Concentration (%)
balance_sheet
Value:
42.38%
Peer Avg: 23.61%
#1026 of 1077
Bottom 4.8% in 100M-500M tier
977
Net Charge-Off Rate
risk
Value:
1.03%
Peer Avg: 0.47%
#977 of 1077
Bottom 9.4% in 100M-500M tier
886
Indirect Auto Concentration (%)
balance_sheet
Value:
28.88%
Peer Avg: 13.34%
#886 of 1077
Bottom 17.8% in 100M-500M tier