BlastPoint's Credit Union Scorecard

ALLSOUTH

Charter #13828 · SC

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 8 in SC

View Mid-Market leaderboard →

ALLSOUTH has 5 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 0.0% in tier
+ ROA 1.35% above tier average
+ Net Interest Margin 0.27% above tier average
+ Net Worth Ratio: Top 1.6% in tier
+ Efficiency Ratio: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 1.6% in tier
- Liquidity Overhang: Bottom 6.2% in tier
- Credit Quality Pressure: Bottom 8.5% in tier
- Credit Risk Growth: Bottom 11.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- Average Member Relationship (AMR): Bottom 1.6% in tier
- Indirect Auto Concentration (%): Bottom 7.6% in tier
- Loan-to-Share Ratio: Bottom 8.6% in tier
- Total Loans: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	118,997 +0.3% YoY+0.1% QoQ	+20.3K	98,678 -1.9% YoY	37,124 +2.2% YoY	33,089 +6.1% YoY	71%
Assets	$1.4B +7.0% YoY+0.9% QoQ	$-281.6M	$1.7B +0.5% YoY	$514.3M +4.6% YoY	$547.7M +7.8% YoY	42%
Loans	$717.5M +5.2% YoY+1.9% QoQ	$-515.5M	$1.2B +0.5% YoY	$362.8M +7.0% YoY	$388.7M +8.6% YoY	Bottom 8.2% in tier
Deposits	$1.2B +5.2% YoY+0.3% QoQ	$-288.2M	$1.5B +1.3% YoY	$433.3M +6.0% YoY	$464.6M +9.3% YoY	39%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.1% +13.0% YoY-3.3% QoQ	+1.4%	0.7% +13.4% YoY	1.2% +18.8% YoY	0.7% +273.4% YoY	Top 0.3% in tier
NIM	3.5% +3.1% YoY+0.8% QoQ	+0.3%	3.3% +9.3% YoY	4.3% +2.6% YoY	3.7% +5.0% YoY	67%
Efficiency Ratio	59.6% -3.9% YoY+2.1% QoQ	-14.4%	74.0% -10.9% YoY	75.1% -1.9% YoY	79.1% -3.3% YoY	Bottom 6.6% in tier
Delinquency Rate	0.5% +62.2% YoY+0.1% QoQ	-0.3	0.8% +6.1% YoY	0.9% +10.3% YoY	1.2% -0.9% YoY	33%
Loan To Share	61.5% -0.0% YoY+1.6% QoQ	-23.7%	85.2% -0.8% YoY	71.3% -1.2% YoY	68.0% -1.7% YoY	Bottom 8.2% in tier
AMR	$15,829 +4.9% YoY+0.9% QoQ	$-13K	$29,172 +2.8% YoY	$16,641 +2.9% YoY	$19,418 +1.3% YoY	Bottom 1.3% in tier
CD Concentration	20.0% -2.4% YoY+1.1% QoQ	-8.9%	29.0% +0.7% YoY	17.4% +3.6% YoY	19.6% +6.2% YoY	Bottom 13.9% in tier
Indirect Auto %	43.7% -1.2% YoY+0.6% QoQ	+25.0%	18.8% -3.0% YoY	5.9% -5.3% YoY	7.9% -2.9% YoY	Top 8.2% in tier

Signature Analysis

Strengths (1)

Profitability Leader

growth

#1 of 95 • Top 0.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.06%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Concerns (4)

Indirect Auto Dependency

risk

#11 of 202 • Bottom 1.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.02%

(Tier: 5.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 43.72%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.34%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Overhang

risk

#2 of 17 • Bottom 6.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.45%

(Tier: 11.30%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 61.53%

(Tier: 86.32%, National: 67.96%)

worse than tier avg

17 of 380 Mid-Market CUs have this signature | 155 nationally

→ Stable (17→17 CUs)

Credit Quality Pressure

risk

#66 of 217 • Bottom 8.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Credit Risk Growth

risk

#64 of 161 • Bottom 11.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.20%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.20% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (5 metrics)

Return on Assets (ROA)

profitability

Value: 2.06%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 19.45%

Peer Avg: -

#6 of 304 Top 1.6% in 1B-3B tier

Efficiency Ratio

profitability

Value: 59.60%

Peer Avg: -

#21 of 304 Top 6.6% in 1B-3B tier

Fee Income Per Member

profitability

Value: $285.22

Peer Avg: -

#42 of 304 Top 13.5% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.02%

Peer Avg: -

#46 of 304 Top 14.8% in 1B-3B tier

Top Weaknesses (5 metrics)

303

Loan-to-Member Ratio (LMR)

engagement

Value: $6,030

Peer Avg: -

#303 of 304 Bottom 0.7% in 1B-3B tier

300

Average Member Relationship (AMR)

engagement

Value: $15,829

Peer Avg: -

#300 of 304 Bottom 1.6% in 1B-3B tier

282

Indirect Auto Concentration (%)

balance_sheet

Value: 43.72%

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

279

Loan-to-Share Ratio

balance_sheet

Value: 61.53%

Peer Avg: -

#279 of 304 Bottom 8.6% in 1B-3B tier

279

Total Loans

balance_sheet

Value: $717.51M

Peer Avg: -

#279 of 304 Bottom 8.6% in 1B-3B tier