BlastPoint's Credit Union Scorecard
FIRST SOUTH FINANCIAL
Charter #24963 · TN
FIRST SOUTH FINANCIAL has 7 strengths but faces 9 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
- + Profitability Leader: Top 5.0% in tier
- + ROA 1.61% above tier average
- + Net Interest Margin 0.89% above tier average
- + Net Worth Ratio: Top 0.0% in tier
- + Efficiency Ratio: Top 2.7% in tier
- + Members Per Employee (MPE): Top 6.2% in tier
- + Total Members: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1.2% in tier
- - Indirect Auto Dependency: Bottom 2.2% in tier
- - Credit Quality Pressure: Bottom 20.1% in tier
- - Shrinking Wallet Share: Bottom 23.8% in tier
- - Liquidity Overhang: Bottom 33.1% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,826
-0.4% YoY+0.0% QoQ
|
+19.7K |
52,114
-2.1% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 10.7% in tier |
| Assets |
$809.1M
+6.7% YoY+0.9% QoQ
|
$-49.9M |
$859.0M
+0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$483.2M
-8.1% YoY-3.2% QoQ
|
$-120.2M |
$603.4M
+1.0% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
15% |
| Deposits |
$554.3M
+6.1% YoY+0.3% QoQ
|
$-179.9M |
$734.2M
+0.9% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.0% in tier |
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| ROA |
2.3%
-11.4% YoY-0.4% QoQ
|
+1.6% |
0.7%
+27.6% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 1.8% in tier |
| NIM |
4.3%
-1.7% YoY+1.7% QoQ
|
+0.9% |
3.4%
+9.6% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 8.0% in tier |
| Efficiency Ratio |
49.5%
+3.8% YoY-0.9% QoQ
|
-25.0% |
74.5%
-3.2% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
0.4%
+28.7% YoY+52.5% QoQ
|
-0.4 |
0.8%
+5.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
87.2%
-13.4% YoY-3.5% QoQ
|
+4.5% |
82.7%
+0.1% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$14,444
-0.6% YoY-1.4% QoQ
|
$-14K |
$28,651
+2.5% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.9% in tier |
| CD Concentration |
19.5%
+23.1% YoY+8.0% QoQ
|
-4.9% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
33% |
| Indirect Auto % |
40.9%
-1.3% YoY-0.5% QoQ
|
+27.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
Top 8.4% in tier |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (5)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)