BlastPoint's Credit Union Scorecard
SHELBY/BOLIVAR COUNTY
Charter #9974 · MS
<100M
2508 CUs in <100M nationally
42 in MS
SHELBY/BOLIVAR COUNTY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.42% above tier average
- + Strong member growth: 9.3% YoY
- + Net Charge-Off Rate: Top 1.0% in tier
- + Member Growth Rate: Top 3.7% in tier
- + Asset Growth Rate: Top 7.4% in tier
- + Deposit Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.68% above tier average
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
- - Loan-to-Share Ratio: Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,133
+9.3% YoY+7.7% QoQ
|
-543 |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$4.7M
+9.9% YoY+3.4% QoQ
|
$-25.5M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$1.1M
-12.2% YoY-5.0% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.8% in tier |
| Deposits |
$3.7M
+10.6% YoY+3.8% QoQ
|
$-22.0M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
1.6%
-331.1% YoY+74.2% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Top 13.7% in tier |
| NIM |
3.9%
-7.6% YoY-10.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
85.7%
-3.4% YoY+11.5% QoQ
|
-4.9% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
6.2%
-0.4% YoY+30.0% QoQ
|
+4.7 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.4% in tier |
| Loan To Share |
28.2%
-20.6% YoY-8.5% QoQ
|
-30.3% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.8% in tier |
| AMR |
$2,252
-4.3% YoY-5.5% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.3% in tier |
| CD Concentration |
11.7%
-7.1% YoY-8.8% QoQ
|
-12.6% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
26
Net Charge-Off Rate
risk
Value:
-1.39%
Peer Median: 0.07%
#26 of 2508
Top 1.0% in <100M tier
94
Member Growth Rate
growth
Value:
9.33%
Peer Median: -1.37%
#94 of 2508
Top 3.7% in <100M tier
186
Asset Growth Rate
growth
Value:
9.87%
Peer Median: 1.30%
#186 of 2508
Top 7.4% in <100M tier
186
Deposit Growth Rate
growth
Value:
10.60%
Peer Median: 0.66%
#186 of 2508
Top 7.4% in <100M tier
296
Members Per Employee (MPE)
engagement
Value:
533.250
Peer Median: 333.750
#296 of 2508
Top 11.8% in <100M tier
344
Return on Assets (ROA)
profitability
Value:
1.57%
Peer Median: 0.61%
#344 of 2508
Top 13.7% in <100M tier
Top Weaknesses (9 metrics)
2424
Average Member Relationship (AMR)
engagement
Value:
$2,252
Peer Median: $13,926
#2424 of 2508
Bottom 3.4% in <100M tier
2416
Loan-to-Member Ratio (LMR)
engagement
Value:
$495.81
Peer Median: $4,923
#2416 of 2508
Bottom 3.7% in <100M tier
2399
Total Delinquency Rate (60+ days)
risk
Value:
6.18%
Peer Median: 0.65%
#2399 of 2508
Bottom 4.4% in <100M tier
2259
Loan-to-Share Ratio
balance_sheet
Value:
28.23%
Peer Median: 58.72%
#2259 of 2508
Bottom 10.0% in <100M tier
2213
Total Loans
balance_sheet
Value:
$1.06M
Peer Median: $9.48M
#2213 of 2508
Bottom 11.8% in <100M tier
2083
Loan Growth Rate
growth
Value:
-12.23%
Peer Median: -2.36%
#2083 of 2508
Bottom 17.0% in <100M tier
2066
Total Assets
balance_sheet
Value:
$4.71M
Peer Median: $21.86M
#2066 of 2508
Bottom 17.7% in <100M tier
2053
Total Deposits
balance_sheet
Value:
$3.75M
Peer Median: $18.77M
#2053 of 2508
Bottom 18.2% in <100M tier
2027
AMR Growth Rate
growth
Value:
-4.32%
Peer Median: 1.27%
#2027 of 2508
Bottom 19.2% in <100M tier