BlastPoint's Credit Union Scorecard

FIRST SOUTH FINANCIAL

Charter #24963 · TN

Community 750M-1B

117 CUs in 750M-1B nationally 3 in TN

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FIRST SOUTH FINANCIAL has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.10% above tier average
+ Net Interest Margin 0.41% above tier average
+ Net Worth Ratio: Top 0.1% in tier
+ Efficiency Ratio: Top 4.3% in tier
+ Members Per Employee (MPE): Top 4.3% in tier
+ Total Members: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.3% in tier
- Margin Compression: Bottom 4.7% in tier
- Institutional Decline: Bottom 5.2% in tier
- Indirect Auto Dependency: Bottom 40.8% in tier
- Stagnation Risk: Bottom 59.1% in tier
- Membership Headwinds: Bottom 59.1% in tier
- Accelerating Exit Risk: Bottom 59.1% in tier
- Shrinking Wallet Share: Bottom 82.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	71,340 -0.7% YoY-0.1% QoQ	+19.8K	51,500 +0.7% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	Top 9.4% in tier
Assets	$834.5M +5.1% YoY+0.7% QoQ	$-31.1M	$865.6M +0.9% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	40%
Loans	$475.6M -7.0% YoY+0.2% QoQ	$-119.6M	$595.3M +1.6% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Bottom 12.0% in tier
Deposits	$571.8M +4.1% YoY+0.7% QoQ	$-170.4M	$742.2M +0.6% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	Bottom 0.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.9% -17.5% YoY-17.2% QoQ	+1.1%	0.8% +45.0% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Top 4.3% in tier
NIM	3.9% -6.4% YoY-7.8% QoQ	+0.4%	3.5% +6.1% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	52.5% +3.3% YoY+6.8% QoQ	-23.0%	75.5% -3.4% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	Top 4.3% in tier
Delinquency Rate	0.3% -32.1% YoY-18.9% QoQ	-0.4	0.7% -0.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	17%
Loan To Share	83.2% -10.7% YoY-0.5% QoQ	+2.6%	80.6% +0.7% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	45%
AMR	$14,682 -0.5% YoY+0.6% QoQ	$-14K	$28,908 +0.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	Bottom 0.9% in tier
CD Concentration	19.8% +14.7% YoY-4.3% QoQ	-4.4%	24.3%	22.3%	19.8%	35%
Indirect Auto %	40.0% -4.3% YoY-0.2% QoQ	+26.2%	13.8%	6.8%	7.7%	Bottom 8.4% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Margin Compression

decline

#1 of 133 • Bottom 4.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.86%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 2.26%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.40% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Indirect Auto Dependency

risk

#71 of 504 • Bottom 40.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.14%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 40.00%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Overhang

risk

#48 of 126 • Bottom 0.3% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 30.07%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 83.18%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 284 Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Institutional Decline

decline

#105 of 250 • Bottom 5.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $834.53M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -0.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.99%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#421 of 570 • Bottom 59.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.99%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.25%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#546 of 570 • Bottom 59.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Shrinking Wallet Share

decline

#230 of 238 • Bottom 82.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.55%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#53 of 53 • Bottom 59.1% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.68%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -0.55%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 284 Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (9 metrics)

Net Worth Ratio

risk

Value: 30.07%

Peer Median: 10.69%

#1 of 117 Top 0.1% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.86%

Peer Median: 0.63%

#5 of 117 Top 3.4% in 750M-1B tier

Efficiency Ratio

profitability

Value: 52.53%

Peer Median: 77.38%

#6 of 117 Top 4.3% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 520.730

Peer Median: 328.468

#6 of 117 Top 4.3% in 750M-1B tier

Total Members

engagement

Value: 71,340

Peer Median: 51,712

#11 of 117 Top 8.5% in 750M-1B tier

Fee Income Per Member

profitability

Value: $302.42

Peer Median: $187.56

#17 of 117 Top 13.7% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: 0.56%

#21 of 117 Top 17.1% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.83%

Peer Median: 26.77%

#25 of 117 Top 20.5% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 3.86%

Peer Median: 3.47%

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (8 metrics)

117

Total Deposits

balance_sheet

Value: $571.81M

Peer Median: $735.65M

#117 of 117 Bottom 0.9% in 750M-1B tier

116

Average Member Relationship (AMR)

engagement

Value: $14,682

Peer Median: $26,209

#116 of 117 Bottom 1.7% in 750M-1B tier

114

Loan-to-Member Ratio (LMR)

engagement

Value: $6,667

Peer Median: $11,598

#114 of 117 Bottom 3.4% in 750M-1B tier

113

Loan Growth Rate

growth

Value: -6.99%

Peer Median: 4.33%

#113 of 117 Bottom 4.3% in 750M-1B tier

107

Indirect Auto Concentration (%)

balance_sheet

Value: 40.00%

Peer Median: 13.79%

#107 of 117 Bottom 9.4% in 750M-1B tier

103

Total Loans

balance_sheet

Value: $475.64M

Peer Median: $618.21M

#103 of 117 Bottom 12.8% in 750M-1B tier

102

AMR Growth Rate

growth

Value: -0.55%

Peer Median: 3.70%

#102 of 117 Bottom 13.7% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.47%

#97 of 117 Bottom 17.9% in 750M-1B tier