BlastPoint's Credit Union Scorecard
SOUTHERN GAS
Charter #23327 · AR
SOUTHERN GAS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.94% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 1.0% in tier
- + Loan-to-Share Ratio: Top 5.9% in tier
- + Net Worth Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.16% below tier average
- - Efficiency ratio 16.12% above tier (higher cost structure)
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 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Arkansas.
- Shares and deposits +3.1% year over year ($4.2M in shares and deposits).
- Membership: 517 members, -0.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.33%.
- Efficiency ratio 104.89% vs a 88.77% peer average.
- Loan-to-share ratio 93.88% vs a 58.89% 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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
517
-0.6% YoY+0.4% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
Bottom 14.0% in tier |
| Assets |
$5.7M
+2.5% YoY+2.9% QoQ
|
$-24.6M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$3.9M
+3.2% YoY-3.7% QoQ
|
$-11.5M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$4.2M
+3.1% YoY+3.7% QoQ
|
$-21.6M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.3%
-9.5% YoY+22.4% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
5.8%
+5.2% YoY+0.5% QoQ
|
+1.9% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
104.9%
+9.1% YoY+3.5% QoQ
|
+16.1% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
93.9%
+0.1% YoY-7.1% QoQ
|
+35.0% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 6.0% in tier |
| AMR |
$15,723
+3.8% YoY-0.4% QoQ
|
+$760 |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
5.5%
-39.6% YoY-3.4% QoQ
|
-19.0% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.2% | 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)