BlastPoint's Credit Union Scorecard
SOUTH ATLANTIC
Charter #21202 · FL
SOUTH ATLANTIC has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.63% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,129
-1.2% YoY-0.6% QoQ
|
-547 |
2,676
+1.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$17.7M
-4.4% YoY+1.6% QoQ
|
$-12.4M |
$30.2M
+1.3% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$8.7M
+0.2% YoY-0.4% QoQ
|
$-6.6M |
$15.3M
-2.0% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$15.9M
-5.0% YoY+2.0% QoQ
|
$-9.9M |
$25.8M
+0.7% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
0.2%
+12.8% YoY-34.7% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
4.4%
+6.6% YoY-5.2% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
94.3%
-1.9% YoY+5.4% QoQ
|
+3.6% |
90.6%
+6.5% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
77% |
| Delinquency Rate |
0.8%
-63.8% YoY-26.5% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
54.9%
+5.4% YoY-2.3% QoQ
|
-3.6% |
58.5%
-3.0% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$11,555
-2.1% YoY+1.7% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
9.0%
+15.2% YoY-10.9% QoQ
|
-15.3% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)