BlastPoint's Credit Union Scorecard

SUNBELT

Charter #8905 · MS

100M-500M

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

SUNBELT has 8 strengths but faces 6 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.68% above tier average
+ AMR Growth Rate: Top 2.1% in tier
+ Total Members: Top 3.2% in tier
+ Loan Growth Rate: Top 3.4% in tier
+ Fee Income Per Member: Top 3.8% in tier
+ Deposit Growth Rate: Top 4.9% in tier
+ Asset Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency ratio 1.34% above tier (higher cost structure)
- Member decline: -2.7% YoY
- Share Certificate Concentration (%): Bottom 7.0% in tier
- Net Charge-Off Rate: Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	35,226 -2.7% YoY-0.9% QoQ	+20.1K	15,145 -2.5% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	Top 3.3% in tier
Assets	$370.1M +11.3% YoY+6.2% QoQ	+$138.4M	$231.7M +0.8% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	Top 15.0% in tier
Loans	$231.0M +19.9% YoY+4.2% QoQ	+$86.8M	$144.1M +0.2% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	83%
Deposits	$309.4M +12.1% YoY+7.0% QoQ	+$108.3M	$201.1M +0.4% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	83%

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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% -26.3% YoY-34.2% QoQ	+0.0%	0.7% +5.1% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	49%
NIM	4.3% -3.4% YoY-4.8% QoQ	+0.7%	3.6% +4.6% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	Top 14.5% in tier
Efficiency Ratio	79.4% +3.0% YoY+3.1% QoQ	+1.3%	78.0% -1.7% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	0.5% -21.7% YoY-20.1% QoQ	-0.3	0.8% +7.1% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	40%
Loan To Share	74.6% +7.0% YoY-2.6% QoQ	+4.2%	70.4% -0.4% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	55%
AMR	$15,341 +18.5% YoY+6.8% QoQ	$-10K	$24,918 +2.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	Bottom 10.4% in tier
CD Concentration	40.8% +15.8% YoY+1.7% QoQ	+16.5%	24.3%	19.6%	19.8%	50%
Indirect Auto %	3.5% +63.8% YoY+17.6% QoQ	-10.3%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#30 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 18.46%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (2)

Membership Headwinds

decline

#289 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#477 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 19.92%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.49%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 (12 metrics)

AMR Growth Rate

growth

Value: 18.46%

Peer Median: 3.46%

#24 of 1070 Top 2.1% in 100M-500M tier

Total Members

engagement

Value: 35,226

Peer Median: 13,200

#35 of 1070 Top 3.2% in 100M-500M tier

Loan Growth Rate

growth

Value: 19.92%

Peer Median: 2.93%

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

Fee Income Per Member

profitability

Value: $306.72

Peer Median: $154.95

#42 of 1070 Top 3.8% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.08%

Peer Median: 3.30%

#53 of 1070 Top 4.9% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.30%

Peer Median: 3.91%

#73 of 1070 Top 6.7% in 100M-500M tier

128

Net Worth Ratio

risk

Value: 15.78%

Peer Median: 11.45%

#128 of 1070 Top 11.9% in 100M-500M tier

155

Net Interest Margin (NIM)

profitability

Value: 4.31%

Peer Median: 3.62%

#155 of 1070 Top 14.4% in 100M-500M tier

160

Total Assets

balance_sheet

Value: $370.11M

Peer Median: $196.57M

#160 of 1070 Top 14.9% in 100M-500M tier

163

First Mortgage Concentration (%)

balance_sheet

Value: 11.91%

Peer Median: 29.47%

#163 of 1070 Top 15.1% in 100M-500M tier

Top Weaknesses (5 metrics)

996

Share Certificate Concentration (%)

balance_sheet

Value: 40.78%

Peer Median: 23.10%

#996 of 1070 Bottom 7.0% in 100M-500M tier

984

Net Charge-Off Rate

risk

Value: 1.16%

Peer Median: 0.35%

#984 of 1070 Bottom 8.1% in 100M-500M tier

959

Average Member Relationship (AMR)

engagement

Value: $15,341

Peer Median: $22,931

#959 of 1070 Bottom 10.5% in 100M-500M tier

876

Loan-to-Member Ratio (LMR)

engagement

Value: $6,556

Peer Median: $9,356

#876 of 1070 Bottom 18.2% in 100M-500M tier

830

Member Growth Rate

growth

Value: -2.66%

Peer Median: -0.06%

#830 of 1070 Bottom 22.5% in 100M-500M tier