BlastPoint's Credit Union Scorecard
FIRST SOUTH FINANCIAL
Charter #24963 · TN
FIRST SOUTH FINANCIAL has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Net Interest Margin 0.35% above tier average
- + Net Worth Ratio: Top 0.1% in tier
- + Efficiency Ratio: Top 4.5% in tier
- + Members Per Employee (MPE): Top 5.4% in tier
- + Total Delinquency Rate (60+ days): Top 7.2% in tier
- + Total Members: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.4% in tier
- - Margin Compression: Bottom 3.2% in tier
- - Indirect Auto Dependency: Bottom 40.0% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - Indirect Auto Concentration (%): Bottom 7.2% in tier
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Tennessee.
- Shares and deposits +4.4% year over year ($576M in shares and deposits).
- Membership: 72,208 members, +0.6% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 1.98%.
- Efficiency ratio 52.61% vs a 74.54% peer average.
- Loan-to-share ratio 82.99% vs a 82.60% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
72,208
+0.6% YoY+1.2% QoQ
|
+19.7K |
52,482
+1.3% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 9.0% in tier |
| Assets |
$844.8M
+5.3% YoY+1.2% QoQ
|
$-19.2M |
$863.9M
+0.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$478.4M
-4.2% YoY+0.6% QoQ
|
$-129.4M |
$607.8M
+2.1% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.8% in tier |
| Deposits |
$576.4M
+4.4% YoY+0.8% QoQ
|
$-163.5M |
$739.9M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.1% in tier |
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| ROA |
2.0%
-15.0% YoY+6.6% QoQ
|
+1.1% |
0.8%
+30.4% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 1.8% in tier |
| NIM |
3.9%
-8.0% YoY-0.1% QoQ
|
+0.3% |
3.5%
+6.2% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
52.6%
+5.4% YoY+0.2% QoQ
|
-21.9% |
74.5%
-1.4% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 4.5% in tier |
| Delinquency Rate |
0.2%
-19.3% YoY-12.5% QoQ
|
-0.6 |
0.8%
+1.0% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 7.2% in tier |
| Loan To Share |
83.0%
-8.2% YoY-0.2% QoQ
|
+0.4% |
82.6%
+1.9% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$14,607
-0.3% YoY-0.5% QoQ
|
$-14K |
$28,702
+0.4% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.9% in tier |
| CD Concentration |
21.0%
+16.4% YoY+6.1% QoQ
|
-3.5% | 24.6% | 22.4% | 20.0% | 38% |
| Indirect Auto % |
41.3%
+0.4% YoY+3.3% QoQ
|
+27.7% | 13.6% | 6.8% | 7.7% | Bottom 7.6% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)