BlastPoint's Credit Union Scorecard

SINGING RIVER

Charter #8694 · MS

100M-500M

1024 CUs in 100M-500M nationally 10 in MS

SINGING RIVER has 7 strengths but faces 8 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

+ Net Interest Margin 1.11% above tier average
+ Strong member growth: 5.1% YoY
+ Total Loans: Top 3.9% in tier
+ Total Members: Top 4.3% in tier
+ Loan-to-Share Ratio: Top 8.9% in tier
+ Member Growth Rate: Top 9.1% in tier
+ Fee Income Per Member: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.21% below tier average
- Net Charge-Off Rate: Bottom 4.9% in tier
- Share Certificate Concentration (%): Bottom 4.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Mississippi.
Shares and deposits +1.9% year over year ($348M in shares and deposits).
Membership: 33,511 members, +5.1% vs a year ago.
Delinquency rate 0.55%.
Return on assets 0.66%.
Efficiency ratio 66.25% vs a 76.73% peer average.
Loan-to-share ratio 93.20% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	33,511 +5.1% YoY+2.3% QoQ	+18.3K	15,168 -2.6% YoY	15,019 +10.4% YoY	34,678 +6.6% YoY	Top 4.4% in tier
Assets	$397.4M +3.0% YoY-1.3% QoQ	+$165.4M	$232.0M +0.7% YoY	$179.3M +15.8% YoY	$593.1M +10.2% YoY	Top 11.7% in tier
Loans	$324.6M +2.2% YoY-0.1% QoQ	+$178.4M	$146.3M +0.2% YoY	$118.9M +12.9% YoY	$418.6M +10.1% YoY	Top 4.0% in tier
Deposits	$348.3M +1.9% YoY-1.5% QoQ	+$147.6M	$200.7M +0.2% YoY	$142.7M +16.5% YoY	$504.8M +10.3% YoY	Top 10.3% 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	0.7% +10.2% YoY-57.3% QoQ	-0.2%	0.9% +12.5% YoY	6.8% +536.0% YoY	1.2% +121.4% YoY	41%
NIM	4.8% +10.7% YoY+3.3% QoQ	+1.1%	3.7% +4.5% YoY	4.4% +0.2% YoY	3.8% +2.3% YoY	Top 6.2% in tier
Efficiency Ratio	66.3% -4.7% YoY+0.1% QoQ	-10.5%	76.7% -0.8% YoY	168.1% +110.0% YoY	83.0% -5.3% YoY	18%
Delinquency Rate	0.5% +26.7% YoY-6.6% QoQ	-0.3	0.9% +6.6% YoY	2.3% +20.5% YoY	1.3% +2.6% YoY	40%
Loan To Share	93.2% +0.3% YoY+1.4% QoQ	+21.7%	71.5% -0.3% YoY	65.7% -3.6% YoY	66.4% -1.4% YoY	Top 9.0% in tier
AMR	$20,081 -2.9% YoY-3.1% QoQ	$-5K	$25,107 +3.2% YoY	$12,280 +0.8% YoY	$20,028 -0.9% YoY	32%
CD Concentration	42.9% +2.7% YoY-3.6% QoQ	+18.3%	24.6%	19.9%	20.0%	50%
Indirect Auto %	28.9% +0.7% YoY-0.7% QoQ	+15.2%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline

#96 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.88%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#461 of 693 • 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): 0.12% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#364 of 476 • 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): 3.01%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 28.87%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 5.06%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Liquidity Strain

risk

#178 of 224 • 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: 93.20%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 2.19%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Credit Risk Growth

risk

#404 of 472 • 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): 2.19%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 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 1024 peers in tier

Top Strengths (9 metrics)

Total Loans

balance_sheet

Value: $324.63M

Peer Median: $124.04M

#41 of 1024 Top 3.9% in 100M-500M tier

Total Members

engagement

Value: 33,511

Peer Median: 13,128

#45 of 1024 Top 4.3% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.79%

Peer Median: 3.67%

#63 of 1024 Top 6.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.20%

Peer Median: 73.07%

#92 of 1024 Top 8.9% in 100M-500M tier

Member Growth Rate

growth

Value: 5.06%

Peer Median: -0.03%

#94 of 1024 Top 9.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $260.82

Peer Median: $159.88

#97 of 1024 Top 9.4% in 100M-500M tier

105

Total Deposits

balance_sheet

Value: $348.31M

Peer Median: $170.77M

#105 of 1024 Top 10.2% in 100M-500M tier

120

Total Assets

balance_sheet

Value: $397.40M

Peer Median: $196.38M

#120 of 1024 Top 11.6% in 100M-500M tier

186

Efficiency Ratio

profitability

Value: 66.25%

Peer Median: 77.26%

#186 of 1024 Top 18.1% in 100M-500M tier

Top Weaknesses (4 metrics)

975

Net Charge-Off Rate

risk

Value: 1.35%

Peer Median: 0.34%

#975 of 1024 Bottom 4.9% in 100M-500M tier

975

Share Certificate Concentration (%)

balance_sheet

Value: 42.88%

Peer Median: 23.39%

#975 of 1024 Bottom 4.9% in 100M-500M tier

947

AMR Growth Rate

growth

Value: -2.88%

Peer Median: 3.53%

#947 of 1024 Bottom 7.6% in 100M-500M tier

859

Indirect Auto Concentration (%)

balance_sheet

Value: 28.87%

Peer Median: 6.15%

#859 of 1024 Bottom 16.2% in 100M-500M tier