ALLSOUTH

Charter #13828 | SC

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in SC

ALLSOUTH has 7 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 8.7% in tier
  • + Wallet Share Momentum: Top 17.0% in tier
  • + Relationship Depth Leader: Top 25.1% 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

  • - Liquidity Overhang: Bottom 0.3% in tier
  • - Indirect Auto Dependency: Bottom 1.6% in tier
  • - Credit Quality Pressure: Bottom 8.5% in tier
  • - Growth-at-Risk: 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
 71st in tier
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
 42nd in tier
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
 39th in tier
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
 67th in tier
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
 33rd in tier
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
 -9.0% 29.0%
+0.8% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 Bottom 14.0% in tier
Indirect Auto % 43.7%
-1.2% YoY+0.6% QoQ
 +24.9% 18.8%
-2.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 Top 8.2% in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#47 of 184 • Top 8.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 2.06%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.34%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#124 of 264 • Top 17.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.86%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#182 of 264 • Top 25.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.86%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (4)

Liquidity Overhang

risk
#2 of 113 • Bottom 0.3% 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: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

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: 18.80%, 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

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

Growth-at-Risk

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)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

1
Return on Assets (ROA)
profitability
Value: 2.06%
Peer Avg: 0.70%
#1 of 304 Top 0.0% in 1B-3B tier
6
Net Worth Ratio
risk
Value: 19.45%
Peer Avg: 11.44%
#6 of 304 Top 1.6% in 1B-3B tier
21
Efficiency Ratio
profitability
Value: 59.60%
Peer Avg: 73.97%
#21 of 304 Top 6.6% in 1B-3B tier
42
Fee Income Per Member
profitability
Value: $285.22
Peer Avg: $210.52
#42 of 304 Top 13.5% in 1B-3B tier
46
Share Certificate Concentration (%)
balance_sheet
Value: 20.02%
Peer Avg: 28.53%
#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: $13,213
#303 of 304 Bottom 0.7% in 1B-3B tier
300
Average Member Relationship (AMR)
engagement
Value: $15,829
Peer Avg: $29,172
#300 of 304 Bottom 1.6% in 1B-3B tier
282
Indirect Auto Concentration (%)
balance_sheet
Value: 43.72%
Peer Avg: 18.32%
#282 of 304 Bottom 7.6% in 1B-3B tier
279
Loan-to-Share Ratio
balance_sheet
Value: 61.53%
Peer Avg: 85.19%
#279 of 304 Bottom 8.6% in 1B-3B tier
279
Total Loans
balance_sheet
Value: $717.51M
Peer Avg: $1.23B
#279 of 304 Bottom 8.6% in 1B-3B tier