BlastPoint's Credit Union Scorecard
SOUTHERN SECURITY
Charter #5974 · TN
SOUTHERN SECURITY has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 16.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 5.7% in tier
- + Loan Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 34.0% in tier
- - Stagnation Risk: Bottom 53.2% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 1.88% above tier (higher cost structure)
- - Delinquency rate 0.58% above tier average
- - Member decline: -4.0% YoY
- - First Mortgage Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,803
-4.0% YoY-0.7% QoQ
|
+3.4K |
15,437
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$244.9M
+4.3% YoY-0.8% QoQ
|
+$13.1M |
$231.9M
+1.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$178.5M
+14.1% YoY-1.1% QoQ
|
+$31.2M |
$147.3M
-0.1% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$219.2M
+3.1% YoY-1.2% QoQ
|
+$18.4M |
$200.8M
+0.8% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
0.6%
-4.9% YoY+2.2% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.3%
+4.1% YoY+1.3% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
78.9%
-0.4% YoY+0.4% QoQ
|
+1.9% |
77.0%
-3.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
1.5%
-42.5% YoY-5.5% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 14.4% in tier |
| Loan To Share |
81.5%
+10.6% YoY+0.1% QoQ
|
+9.2% |
72.2%
-1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$21,150
+12.3% YoY-0.4% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
18.2%
+20.8% YoY+6.9% QoQ
|
-6.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)