BlastPoint's Credit Union Scorecard

ALLSOUTH

Charter #13828 · SC

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

ALLSOUTH has 4 strengths but faces 7 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 16.1% in tier
+ ROA 0.78% above tier average
+ Net Worth Ratio: Top 2.0% in tier
+ Loan Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 2.1% in tier
- Cost Spiral: Bottom 3.4% in tier
- Margin Compression: Bottom 6.3% in tier
- Indirect Auto Dependency: Bottom 38.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.6% in tier
- Average Member Relationship (AMR): Bottom 2.6% in tier
- Indirect Auto Concentration (%): Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	119,460 +1.0% YoY+0.3% QoQ	+23.4K	96,048 -2.7% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	73%
Assets	$1.5B +6.4% YoY+2.8% QoQ	$-213.3M	$1.7B +0.4% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	49%
Loans	$783.2M +14.5% YoY+3.3% QoQ	$-430.5M	$1.2B +0.2% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	Bottom 14.7% in tier
Deposits	$1.2B +5.2% YoY+3.1% QoQ	$-242.8M	$1.5B +0.5% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	42%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% -43.3% YoY-18.0% QoQ	+0.8%	0.7% +27.6% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	Top 5.9% in tier
NIM	3.4% -1.7% YoY-4.2% QoQ	+0.0%	3.4% +6.2% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	64.4% +18.5% YoY+2.5% QoQ	-10.3%	74.6% -3.0% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	Top 13.1% in tier
Delinquency Rate	0.3% -18.3% YoY-31.8% QoQ	-0.4	0.8% +6.9% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	18%
Loan To Share	64.1% +8.8% YoY+0.2% QoQ	-19.1%	83.2% -0.4% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	Bottom 11.8% in tier
AMR	$16,792 +7.5% YoY+2.9% QoQ	$-13K	$29,652 +2.3% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	Bottom 2.3% in tier
CD Concentration	20.7% +4.9% YoY+2.1% QoQ	-8.2%	28.8%	18.0%	19.8%	16%
Indirect Auto %	44.6% +3.0% YoY+0.6% QoQ	+26.6%	18.1%	5.9%	7.7%	Bottom 7.3% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#61 of 125 • Top 16.1% in tier

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

Why This Signature

AMR Growth (YoY): 7.53%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank improving

Concerns (4)

Cost Spiral

risk

#1 of 11 • Bottom 3.4% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 10.04% points

(Tier: -2.46% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 46.91%

(Tier: 53.09%, National: 64.04%)

but better than tier avg

11 of 384 Mid-Market CUs have this signature | 96 nationally

↓ Shrinking -10 CUs YoY | New qualifier

Margin Compression

decline

#1 of 24 • Bottom 6.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.50%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 2.64%

(Tier: 0.58%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -1.14% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

24 of 384 Mid-Market CUs have this signature | 162 nationally

→ No prior data (24 CUs now) | New qualifier

Liquidity Overhang

risk

#2 of 15 • Bottom 2.1% in tier

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

Why This Signature

Net Worth Ratio: 19.20%

(Tier: 11.28%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 64.05%

(Tier: 84.20%, National: 65.58%)

worse than tier avg

15 of 384 Mid-Market CUs have this signature | 143 nationally

→ Stable (16→15 CUs) -1 CUs YoY

Indirect Auto Dependency

risk

#18 of 198 • Bottom 38.7% in tier

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

Why This Signature

Asset Growth (YoY): 6.40%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 44.65%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.99%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 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 306 peers in tier

Top Strengths (8 metrics)

Net Worth Ratio

risk

Value: 19.20%

Peer Median: 10.85%

#7 of 306 Top 2.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.50%

Peer Median: 0.66%

#18 of 306 Top 5.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.45%

Peer Median: 5.67%

#30 of 306 Top 9.5% in 1B-3B tier

Efficiency Ratio

profitability

Value: 64.36%

Peer Median: 75.16%

#41 of 306 Top 13.1% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.66%

Peer Median: 27.93%

#52 of 306 Top 16.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.53%

Peer Median: 3.15%

#53 of 306 Top 17.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.63%

#55 of 306 Top 17.6% in 1B-3B tier

Fee Income Per Member

profitability

Value: $242.66

Peer Median: $191.54

#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (5 metrics)

302

Loan-to-Member Ratio (LMR)

engagement

Value: $6,556

Peer Median: $12,733

#302 of 306 Bottom 1.6% in 1B-3B tier

299

Average Member Relationship (AMR)

engagement

Value: $16,792

Peer Median: $28,178

#299 of 306 Bottom 2.6% in 1B-3B tier

284

Indirect Auto Concentration (%)

balance_sheet

Value: 44.65%

Peer Median: 13.86%

#284 of 306 Bottom 7.5% in 1B-3B tier

270

Loan-to-Share Ratio

balance_sheet

Value: 64.05%

Peer Median: 85.31%

#270 of 306 Bottom 12.1% in 1B-3B tier

261

Total Loans

balance_sheet

Value: $783.18M

Peer Median: $1.11B

#261 of 306 Bottom 15.0% in 1B-3B tier