BlastPoint's Credit Union Scorecard
SHELBY/BOLIVAR COUNTY
Charter #9974 · MS
SHELBY/BOLIVAR COUNTY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.46% 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
- - ROA 0.02% below tier average
- - Delinquency rate 2.47% above tier average
- - Member decline: -3.2% YoY
- - Average Member Relationship (AMR): Bottom 3.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.4% in tier
- - Total Delinquency Rate (60+ days): 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 |
1,962
-3.2% YoY+0.4% QoQ
|
-663 |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$4.5M
+6.0% YoY+8.5% QoQ
|
$-25.4M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$1.2M
+3.2% YoY+4.2% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.9% in tier |
| Deposits |
$3.6M
+6.9% YoY+12.0% QoQ
|
$-21.9M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.7%
-281.9% YoY-83.2% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
4.4%
-7.6% YoY-1.3% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
77.0%
+7.1% YoY+25.5% QoQ
|
-4.4% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
4.0%
-50.9% YoY+21.4% QoQ
|
+2.5 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 8.3% in tier |
| Loan To Share |
34.3%
-3.4% YoY-7.0% QoQ
|
-27.0% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.4% in tier |
| AMR |
$2,452
+9.4% YoY+9.4% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.6% in tier |
| CD Concentration |
11.8%
-31.6% YoY-12.8% QoQ
|
-12.6% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
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)