BlastPoint's Credit Union Scorecard
FIRST SOUTH FINANCIAL
Charter #24963 · TN
FIRST SOUTH FINANCIAL has 5 strengths but faces 10 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 1.50% above tier average
- + Net Interest Margin 0.80% above tier average
- + Net Worth Ratio: Top 0.0% in tier
- + Efficiency Ratio: Top 2.6% in tier
- + Members Per Employee (MPE): Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 0.0% in tier
- - Indirect Auto Dependency: Bottom 7.3% in tier
- - Liquidity Overhang: Bottom 30.6% in tier
- - Institutional Decline: Bottom 38.9% in tier
- - Stagnation Risk: Bottom 72.9% in tier
- - Membership Headwinds: Bottom 96.8% in tier
- - Total Deposits: Bottom 1.7% in tier
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Loan Growth Rate: Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,399
-0.7% YoY-0.6% QoQ
|
+19.3K |
52,084
-1.6% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 11.1% in tier |
| Assets |
$828.8M
+7.8% YoY+2.4% QoQ
|
$-35.1M |
$863.9M
+0.5% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$474.6M
-8.7% YoY-1.8% QoQ
|
$-131.2M |
$605.8M
+1.4% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.1% in tier |
| Deposits |
$567.7M
+7.5% YoY+2.4% QoQ
|
$-169.5M |
$737.3M
+0.1% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.2%
-13.8% YoY-3.3% QoQ
|
+1.5% |
0.7%
+39.1% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 1.7% in tier |
| NIM |
4.2%
-3.3% YoY-1.8% QoQ
|
+0.8% |
3.4%
+8.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 8.5% in tier |
| Efficiency Ratio |
49.2%
+1.8% YoY-0.6% QoQ
|
-25.2% |
74.3%
-3.6% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
0.3%
-33.6% YoY-25.5% QoQ
|
-0.6 |
0.9%
+3.8% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
83.6%
-15.1% YoY-4.1% QoQ
|
+1.0% |
82.6%
+1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$14,599
+0.1% YoY+1.1% QoQ
|
$-14K |
$28,873
+2.7% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.9% in tier |
| CD Concentration |
20.7%
+24.3% YoY+6.2% QoQ
|
-3.7% | 24.4% | 22.4% | 19.8% | 37% |
| Indirect Auto % |
40.1%
-3.9% YoY-2.1% QoQ
|
+26.3% | 13.8% | 6.7% | 7.8% | Top 8.3% in tier |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)