BlastPoint's Credit Union Scorecard
SUNBELT
Charter #8905 · MS
SUNBELT has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.77% above tier average
- + AMR Growth Rate: Top 2.4% in tier
- + Total Members: Top 3.3% in tier
- + Fee Income Per Member: Top 4.5% in tier
- + Loan Growth Rate: Top 5.1% in tier
- + Deposit Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency ratio 2.18% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Share Certificate Concentration (%): Bottom 7.2% in tier
- - Net Charge-Off Rate: Bottom 8.1% 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 +10.5% year over year ($305M in shares and deposits).
- Membership: 34,960 members, -3.2% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 0.89%.
- Efficiency ratio 78.92% vs a 76.73% peer average.
- Loan-to-share ratio 77.88% 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 |
34,960
-3.2% YoY-0.8% QoQ
|
+19.8K |
15,168
-2.6% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
Top 3.4% in tier |
| Assets |
$366.4M
+9.9% YoY-1.0% QoQ
|
+$134.4M |
$232.0M
+0.7% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$237.7M
+17.2% YoY+2.9% QoQ
|
+$91.5M |
$146.3M
+0.2% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$305.2M
+10.5% YoY-1.4% QoQ
|
+$104.5M |
$200.7M
+0.2% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
0.9%
+4.4% YoY+29.3% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
4.5%
-0.1% YoY+3.5% QoQ
|
+0.8% |
3.7%
+4.5% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 11.6% in tier |
| Efficiency Ratio |
78.9%
+1.6% YoY-0.6% QoQ
|
+2.2% |
76.7%
-0.8% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
0.4%
-7.8% YoY-21.2% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
77.9%
+6.1% YoY+4.3% QoQ
|
+6.3% |
71.5%
-0.3% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$15,531
+17.0% YoY+1.2% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.1% in tier |
| CD Concentration |
41.0%
+12.4% YoY+0.4% QoQ
|
+16.4% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % |
3.3%
+45.7% YoY-5.0% QoQ
|
-10.3% | 13.6% | 2.4% | 7.7% | 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 shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—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)