BlastPoint's Credit Union Scorecard
SOUTHERN SECURITY
Charter #5974 · TN
SOUTHERN SECURITY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.69% below tier average
- - Efficiency ratio 11.02% above tier (higher cost structure)
- - Delinquency rate 0.84% above tier average
- - First Mortgage Concentration (%): Bottom 7.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
- Shares and deposits +2.0% year over year ($226M in shares and deposits).
- Membership: 18,754 members, -1.8% vs a year ago.
- Delinquency rate 1.72%.
- Return on assets 0.17%.
- Efficiency ratio 87.76% vs a 76.73% peer average.
- Loan-to-share ratio 80.55% vs a 71.54% 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 |
18,754
-1.8% YoY+0.6% QoQ
|
+3.6K |
15,168
-2.6% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$251.9M
+2.3% YoY+1.1% QoQ
|
+$19.9M |
$232.0M
+0.7% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$182.2M
+6.6% YoY+0.8% QoQ
|
+$36.0M |
$146.3M
+0.2% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$226.2M
+2.0% YoY+1.1% QoQ
|
+$25.5M |
$200.7M
+0.2% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
65% |
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 |
0.2%
-67.6% YoY-63.4% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.0% in tier |
| NIM |
3.3%
+2.2% YoY+1.1% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
87.8%
+10.8% YoY+8.4% QoQ
|
+11.0% |
76.7%
-0.8% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
1.7%
-6.7% YoY+21.1% QoQ
|
+0.8 |
0.9%
+6.6% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.4% in tier |
| Loan To Share |
80.6%
+4.5% YoY-0.4% QoQ
|
+9.0% |
71.5%
-0.3% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$21,779
+5.9% YoY+0.4% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
18.9%
+20.7% YoY+3.6% QoQ
|
-5.6% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)