BlastPoint's Credit Union Scorecard

ALLSOUTH

Charter #13828 · SC

Mid-Market 1B-3B

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

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ALLSOUTH has 5 strengths but faces 5 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

+ Wallet Share Momentum: Top 63.1% in tier
+ Organic Growth Engine: Top 66.3% in tier
+ ROA 1.14% above tier average
+ Net Interest Margin 0.22% above tier average
+ Net Worth Ratio: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.2% in tier
- Indirect Auto Dependency: Bottom 6.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- Average Member Relationship (AMR): Bottom 2.0% in tier
- Indirect Auto Concentration (%): Bottom 7.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	119,071 +0.7% YoY+0.1% QoQ	+21.6K	97,431 -2.4% YoY	37,100 +2.2% YoY	33,374 +5.7% YoY	72%
Assets	$1.5B +7.5% YoY+2.0% QoQ	$-257.3M	$1.7B +0.9% YoY	$523.8M +6.7% YoY	$561.6M +9.7% YoY	45%
Loans	$758.3M +10.8% YoY+5.7% QoQ	$-476.1M	$1.2B +0.5% YoY	$367.9M +7.3% YoY	$397.0M +8.8% YoY	Bottom 10.6% in tier
Deposits	$1.2B +5.8% YoY+1.7% QoQ	$-273.6M	$1.5B +0.9% YoY	$439.0M +5.8% YoY	$477.3M +9.7% YoY	40%

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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	1.8% +2.3% YoY-11.2% QoQ	+1.1%	0.7% +20.9% YoY	1.0% +5.1% YoY	0.7% +15.9% YoY	Top 1.3% in tier
NIM	3.5% +2.3% YoY-1.1% QoQ	+0.2%	3.3% +9.2% YoY	4.2% +0.5% YoY	3.8% +5.1% YoY	64%
Efficiency Ratio	62.8% -2.2% YoY+5.3% QoQ	-11.3%	74.1% -9.5% YoY	76.9% -0.6% YoY	79.7% -3.3% YoY	Bottom 10.3% in tier
Delinquency Rate	0.5% -17.0% YoY-12.2% QoQ	-0.4	0.9% +6.2% YoY	1.0% +13.3% YoY	1.3% -2.1% YoY	22%
Loan To Share	64.0% +4.7% YoY+3.9% QoQ	-20.8%	84.8% -0.8% YoY	71.5% -0.9% YoY	67.4% -1.7% YoY	Bottom 10.9% in tier
AMR	$16,326 +6.9% YoY+3.1% QoQ	$-13K	$29,428 +2.4% YoY	$16,782 +2.9% YoY	$19,687 +2.0% YoY	Bottom 1.7% in tier
CD Concentration	20.2% -2.2% YoY+1.1% QoQ	-8.8%	29.0%	17.8%	19.8%	Bottom 13.6% in tier
Indirect Auto %	44.4% +1.8% YoY+1.5% QoQ	+26.1%	18.3%	5.9%	7.8%	Top 6.9% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#78 of 123 • Top 63.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.92%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | Rank worsening

Organic Growth Engine

growth

#164 of 247 • Top 66.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.73%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.83%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 44.39%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Liquidity Overhang

risk

#2 of 17 • Bottom 6.2% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.34%

(Tier: 11.27%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 63.95%

(Tier: 85.73%, National: 67.44%)

worse than tier avg

17 of 378 Mid-Market CUs have this signature | 155 nationally

→ Stable (16→17 CUs) +1 CUs YoY

Indirect Auto Dependency

risk

#14 of 196 • Bottom 6.7% in tier

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

Why This Signature

Asset Growth (YoY): 7.53%

(Tier: 6.83%, National: 3.54%)

but better than tier avg

Indirect Auto %: 44.39%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.73%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank improving

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 302 peers in tier

Top Strengths (8 metrics)

Return on Assets (ROA)

profitability

Value: 1.83%

Peer Median: -

#4 of 302 Top 1.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 19.34%

Peer Median: -

#7 of 302 Top 2.0% in 1B-3B tier

Efficiency Ratio

profitability

Value: 62.77%

Peer Median: -

#32 of 302 Top 10.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $293.91

Peer Median: -

#40 of 302 Top 12.9% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.24%

Peer Median: -

#43 of 302 Top 13.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.78%

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.92%

Peer Median: -

#62 of 302 Top 20.2% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.46%

Peer Median: -

#69 of 302 Top 22.5% in 1B-3B tier

Top Weaknesses (5 metrics)

299

Loan-to-Member Ratio (LMR)

engagement

Value: $6,368

Peer Median: -

#299 of 302 Bottom 1.3% in 1B-3B tier

297

Average Member Relationship (AMR)

engagement

Value: $16,326

Peer Median: -

#297 of 302 Bottom 2.0% in 1B-3B tier

282

Indirect Auto Concentration (%)

balance_sheet

Value: 44.39%

Peer Median: -

#282 of 302 Bottom 7.0% in 1B-3B tier

270

Total Loans

balance_sheet

Value: $758.27M

Peer Median: -

#270 of 302 Bottom 10.9% in 1B-3B tier

269

Loan-to-Share Ratio

balance_sheet

Value: 63.95%

Peer Median: -

#269 of 302 Bottom 11.3% in 1B-3B tier