BlastPoint's Credit Union Scorecard
SUNBELT
Charter #8905 · MS
SUNBELT has 9 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 7.1% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.97% above tier average
- + AMR Growth Rate: Top 2.4% in tier
- + Total Members: Top 3.4% in tier
- + Loan Growth Rate: Top 3.5% in tier
- + Fee Income Per Member: Top 3.7% in tier
- + Net Worth Ratio: Top 8.0% in tier
- + Deposit Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 22.9% in tier
- - Stagnation Risk: Bottom 23.3% in tier
- - Liquidity Overhang: Bottom 76.7% in tier
- - Efficiency ratio 0.18% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 5.8% in tier
- - Net Charge-Off Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,775
-1.6% YoY-0.9% QoQ
|
+20.1K |
15,628
-3.4% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Top 3.5% in tier |
| Assets |
$337.3M
+10.4% YoY+1.1% QoQ
|
+$106.0M |
$231.3M
-0.0% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$214.8M
+19.9% YoY+5.9% QoQ
|
+$67.0M |
$147.8M
-1.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$278.9M
+11.3% YoY+0.9% QoQ
|
+$78.7M |
$200.3M
-0.0% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
77% |
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| ROA |
1.0%
+55.6% YoY+18.9% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
4.6%
+2.1% YoY+2.0% QoQ
|
+1.0% |
3.6%
+6.9% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 8.0% in tier |
| Efficiency Ratio |
77.5%
-2.0% YoY-0.2% QoQ
|
+0.2% |
77.3%
-3.0% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.5%
-33.1% YoY+28.1% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
77.0%
+7.7% YoY+4.9% QoQ
|
+4.3% |
72.7%
-1.5% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$13,802
+16.7% YoY+4.0% QoQ
|
$-11K |
$24,363
+2.9% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.8% in tier |
| CD Concentration |
37.6%
+20.2% YoY+3.3% QoQ
|
+13.2% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
2.7%
+265.3% YoY+19.8% QoQ
|
-11.2% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)