BlastPoint's Credit Union Scorecard
SHELBY/BOLIVAR COUNTY
Charter #9974 · MS
SHELBY/BOLIVAR COUNTY has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Strong member growth: 9.7% YoY
- + Net Charge-Off Rate: Top 0.5% in tier
- + Member Growth Rate: Top 4.0% in tier
- + Deposit Growth Rate: Top 8.1% in tier
- + Asset Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.34% above tier average
- - Average Member Relationship (AMR): Bottom 2.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits +10.2% year over year ($3.5M in shares and deposits).
- Membership: 2,143 members, +9.7% vs a year ago.
- Delinquency rate 5.89%.
- Return on assets 1.58%.
- Efficiency ratio 85.04% vs a 88.77% peer average.
- Loan-to-share ratio 28.86% vs a 58.89% 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 |
2,143
+9.7% YoY+0.5% QoQ
|
-442 |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$4.5M
+8.7% YoY-4.4% QoQ
|
$-25.8M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$1.0M
-13.7% YoY-3.8% QoQ
|
$-14.4M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.6% in tier |
| Deposits |
$3.5M
+10.2% YoY-5.9% QoQ
|
$-22.3M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
1.6%
-60.0% YoY+0.8% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
3.8%
-14.3% YoY-0.9% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
85.0%
+38.6% YoY-0.8% QoQ
|
-3.7% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
5.9%
+79.6% YoY-4.7% QoQ
|
+4.3 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.2% in tier |
| Loan To Share |
28.9%
-21.7% YoY+2.2% QoQ
|
-30.0% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.2% in tier |
| AMR |
$2,119
-5.4% YoY-5.9% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.7% in tier |
| CD Concentration |
14.9%
+9.9% YoY+26.9% QoQ
|
-9.7% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 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)