BlastPoint's Credit Union Scorecard
SOUTHERN SECURITY
Charter #5974 · TN
SOUTHERN SECURITY has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.5% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 4.1% in tier
- + AMR Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 11.8% in tier
- - Stagnation Risk: Bottom 14.2% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 1.31% above tier (higher cost structure)
- - Delinquency rate 0.70% above tier average
- - Member decline: -3.5% YoY
- - First Mortgage Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,945
-3.5% YoY-0.8% QoQ
|
+3.3K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$246.9M
+3.4% YoY+0.3% QoQ
|
+$15.6M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$180.4M
+18.5% YoY+5.6% QoQ
|
+$32.6M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$221.8M
+2.7% YoY+0.0% QoQ
|
+$21.5M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
0.6%
-8.0% YoY+5.2% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
3.2%
+3.8% YoY+1.0% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
78.6%
-0.4% YoY-0.8% QoQ
|
+1.3% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.6%
-30.7% YoY-15.2% QoQ
|
+0.7 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 13.3% in tier |
| Loan To Share |
81.3%
+15.4% YoY+5.5% QoQ
|
+8.6% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$21,232
+13.3% YoY+3.3% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
17.0%
+23.7% YoY+8.8% QoQ
|
-7.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)