BlastPoint's Credit Union Scorecard
SOUTHERN ENERGY
Charter #62728 · AL
SOUTHERN ENERGY has 8 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 26.2% in tier
- + Organic Growth Engine: Top 32.1% in tier
- + Strong member growth: 5.8% YoY
- + Net Charge-Off Rate: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.6% in tier
- + Average Member Relationship (AMR): Top 2.6% in tier
- + Total Delinquency Rate (60+ days): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 16.7% in tier
- - Shrinking Wallet Share: Bottom 32.0% in tier
- - Credit Quality Pressure: Bottom 82.9% in tier
- - Credit Risk Growth: Bottom 88.3% in tier
- - ROA 0.28% below tier average
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - Total Loans: Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Total Members: Bottom 1.3% in tier
- - First Mortgage Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
90,227
+5.8% YoY-0.4% QoQ
|
-140.1K |
230,353
-2.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 0.0% in tier |
| Assets |
$3.6B
+3.3% YoY-0.1% QoQ
|
$-378.1M |
$3.9B
+0.3% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$944.4M
+4.7% YoY+0.4% QoQ
|
$-2.0B |
$2.9B
-0.2% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.0% in tier |
| Deposits |
$3.2B
-0.1% YoY-0.6% QoQ
|
$-131.3M |
$3.3B
-0.3% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.4%
+76.9% YoY+10.0% QoQ
|
-0.3% |
0.7%
+16.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
1.2%
+22.8% YoY+4.2% QoQ
|
-2.0% |
3.1%
+9.8% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.0% in tier |
| Efficiency Ratio |
68.4%
-11.5% YoY-1.1% QoQ
|
-3.0% |
71.4%
-1.4% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.3%
+21.1% YoY+15.9% QoQ
|
-0.6 |
0.9%
+5.8% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
29.7%
+4.7% YoY+1.0% QoQ
|
-59.2% |
88.9%
-0.2% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$45,706
-4.6% YoY+0.0% QoQ
|
+$16K |
$29,682
+1.5% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Top 3.9% in tier |
| CD Concentration |
39.6%
+4.0% YoY+1.2% QoQ
|
+10.5% | 29.0% | 21.2% | 19.8% | Top 12.0% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 5.2% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)