BlastPoint's Credit Union Scorecard
SOUTHERN GAS
Charter #23327 · AR
SOUTHERN GAS has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.5% in tier
- + Net Charge-Off Rate: Top 2.5% in tier
- + Net Worth Ratio: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 19.47% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
510
-0.2% YoY-0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Bottom 13.8% in tier |
| Assets |
$5.2M
-2.8% YoY-2.2% QoQ
|
$-25.0M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$4.1M
+6.9% YoY+4.6% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$3.7M
-4.2% YoY-3.2% QoQ
|
$-22.0M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.2%
-56.9% YoY-28.6% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
6.1%
+2.9% YoY+4.9% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
102.0%
+11.9% YoY+3.2% QoQ
|
+19.5% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Top 9.8% in tier |
| Delinquency Rate |
0.6%
+218.9% YoY
|
-1.0 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
110.8%
+11.5% YoY+8.1% QoQ
|
+50.2% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 1.6% in tier |
| AMR |
$15,173
+1.5% YoY+1.2% QoQ
|
+$390 |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
8.6%
-38.2% YoY-3.4% QoQ
|
-15.8% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)