BlastPoint's Credit Union Scorecard
ALLSOUTH
Charter #13828 · SC
ALLSOUTH has 3 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 16.4% in tier
- + ROA 0.91% above tier average
- + Net Worth Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.1% in tier
- - Margin Compression: Bottom 4.3% in tier
- - Indirect Auto Dependency: Bottom 39.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 2.7% in tier
- - Indirect Auto Concentration (%): Bottom 7.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in South Carolina.
- Shares and deposits +5.2% year over year ($1.22B in shares and deposits).
- Membership: 119,585 members, +0.6% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 1.73%.
- Efficiency ratio 63.15% vs a 73.02% peer average.
- Loan-to-share ratio 65.37% vs a 84.71% 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 (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
119,585
+0.6% YoY+0.1% QoQ
|
+22.7K |
96,861
-1.9% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$1.5B
+6.2% YoY+0.4% QoQ
|
$-210.9M |
$1.7B
+0.4% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$799.9M
+13.6% YoY+2.1% QoQ
|
$-434.4M |
$1.2B
+0.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 15.0% in tier |
| Deposits |
$1.2B
+5.2% YoY+0.1% QoQ
|
$-239.8M |
$1.5B
+0.5% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
43% |
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| ROA |
1.7%
-18.6% YoY+15.6% QoQ
|
+0.9% |
0.8%
+27.6% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Top 4.7% in tier |
| NIM |
3.5%
-1.2% YoY+3.4% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
63.2%
+8.2% YoY-1.9% QoQ
|
-9.9% |
73.0%
-2.7% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
Top 13.7% in tier |
| Delinquency Rate |
0.4%
-21.1% YoY+31.6% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
65.4%
+8.0% YoY+2.1% QoQ
|
-19.3% |
84.7%
+0.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.7% in tier |
| AMR |
$16,921
+7.8% YoY+0.8% QoQ
|
$-13K |
$29,575
+1.5% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.3% in tier |
| CD Concentration |
21.4%
+8.1% YoY+3.6% QoQ
|
-7.7% | 29.1% | 18.3% | 20.0% | 17% |
| Indirect Auto % |
43.4%
-0.1% YoY-2.8% QoQ
|
+25.3% | 18.1% | 6.0% | 7.7% | Bottom 7.5% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)