BlastPoint's Credit Union Scorecard
SOUTHERN GAS
Charter #23327 · AR
SOUTHERN GAS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 1.81% above tier average
- + Loan-to-Share Ratio: Top 2.8% in tier
- + Net Charge-Off Rate: Top 3.1% in tier
- + Net Worth Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 10.68% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
515
+1.4% YoY+1.0% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
Bottom 14.0% in tier |
| Assets |
$5.5M
-2.0% YoY+7.0% QoQ
|
$-24.7M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$4.1M
+6.7% YoY+0.4% QoQ
|
$-11.2M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$4.0M
-3.0% YoY+10.1% QoQ
|
$-21.7M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
0.3%
+289.8% YoY+29.0% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
5.8%
+6.0% YoY-4.6% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
101.3%
+8.8% YoY-0.7% QoQ
|
+10.7% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate |
0.0%
-92.1% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
101.1%
+10.1% YoY-8.8% QoQ
|
+42.6% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Top 2.9% in tier |
| AMR |
$15,780
+0.3% YoY+4.0% QoQ
|
+$896 |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
5.7%
-55.0% YoY-33.7% QoQ
|
-18.6% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 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)