BlastPoint's Credit Union Scorecard
SHELBY/BOLIVAR COUNTY
Charter #9974 · MS
SHELBY/BOLIVAR COUNTY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.20% above tier average
- - Member decline: -3.2% YoY
- - Net Charge-Off Rate: Bottom 2.5% in tier
- - Average Member Relationship (AMR): Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,981
-3.2% YoY+1.0% QoQ
|
-634 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$4.6M
+7.7% YoY+1.3% QoQ
|
$-25.6M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$1.1M
-3.9% YoY-9.3% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.1% in tier |
| Deposits |
$3.6M
+8.3% YoY+0.8% QoQ
|
$-22.1M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
18% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+983.7% YoY+35.7% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
4.3%
-9.8% YoY-2.3% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
76.9%
+5.5% YoY-0.2% QoQ
|
-5.7% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
4.8%
-56.6% YoY+19.5% QoQ
|
+3.2 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 6.7% in tier |
| Loan To Share |
30.9%
-11.2% YoY-10.0% QoQ
|
-29.8% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.8% in tier |
| AMR |
$2,384
+8.6% YoY-2.7% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.3% in tier |
| CD Concentration |
12.8%
-26.6% YoY+8.9% QoQ
|
-11.6% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)