BlastPoint's Credit Union Scorecard
SUNBELT
Charter #8905 · MS
SUNBELT has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 5.7% in tier
- + ROA 0.29% above tier average
- + Net Interest Margin 0.92% above tier average
- + AMR Growth Rate: Top 2.2% in tier
- + Loan Growth Rate: Top 3.4% in tier
- + Fee Income Per Member: Top 3.6% in tier
- + Total Members: Top 3.6% in tier
- + Net Worth Ratio: Top 8.9% in tier
- + Deposit Growth Rate: Top 9.0% in tier
- + Asset Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 68.2% in tier
- - Liquidity Overhang: Bottom 82.1% in tier
- - Stagnation Risk: Bottom 92.2% in tier
- - Average Member Relationship (AMR): Bottom 7.6% in tier
- - Share Certificate Concentration (%): Bottom 8.0% in tier
- - Net Charge-Off Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,545
-1.8% YoY-0.6% QoQ
|
+20.1K |
15,437
-2.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Top 3.6% in tier |
| Assets |
$348.3M
+10.8% YoY+3.3% QoQ
|
+$116.5M |
$231.9M
+1.3% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$221.6M
+20.9% YoY+3.2% QoQ
|
+$74.3M |
$147.3M
-0.1% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$289.1M
+10.9% YoY+3.6% QoQ
|
+$88.3M |
$200.8M
+0.8% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
1.0%
+73.2% YoY+3.2% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
4.5%
+3.3% YoY-0.5% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
77.0%
-2.1% YoY-0.6% QoQ
|
-0.1% |
77.0%
-3.1% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.6%
-25.6% YoY+14.2% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
76.7%
+9.0% YoY-0.5% QoQ
|
+4.4% |
72.2%
-1.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$14,369
+17.1% YoY+4.1% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.5% in tier |
| CD Concentration |
40.1%
+14.4% YoY+6.6% QoQ
|
+15.7% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
3.0%
+168.2% YoY+8.9% QoQ
|
-10.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)