BlastPoint's Credit Union Scorecard
SOUTHERN ENERGY
Charter #62728 · AL
SOUTHERN ENERGY has 4 strengths but faces 8 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
- + Net Worth Ratio: Top 3.8% in tier
- + Average Member Relationship (AMR): Top 3.8% in tier
- + Total Delinquency Rate (60+ days): Top 6.4% in tier
- + Net Charge-Off Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 80.5% in tier
- - Deposit Outflow: Bottom 91.6% in tier
- - ROA 0.27% below tier average
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Total Loans: Bottom 2.6% in tier
- - Total Members: Bottom 2.6% in tier
- - First Mortgage Concentration (%): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
90,625
-0.0% YoY+0.4% QoQ
|
-129.8K |
220,435
-7.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
Bottom 1.3% in tier |
| Assets |
$3.6B
+0.7% YoY+2.2% QoQ
|
$-273.6M |
$3.9B
-1.5% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$938.7M
+0.7% YoY-0.6% QoQ
|
$-2.0B |
$2.9B
-1.1% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.3% in tier |
| Deposits |
$3.3B
-1.1% YoY+2.6% QoQ
|
$-36.2M |
$3.3B
-2.5% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
44% |
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 |
0.5%
+60.0% YoY+6.7% QoQ
|
-0.3% |
0.7%
+10.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
28% |
| NIM |
1.2%
+31.1% YoY+4.0% QoQ
|
-2.0% |
3.2%
+4.6% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
67.2%
-8.2% YoY-1.8% QoQ
|
-4.1% |
71.3%
-2.6% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
0.2%
-16.0% YoY-25.6% QoQ
|
-0.5 |
0.7%
+9.2% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Top 6.4% in tier |
| Loan To Share |
28.8%
+1.9% YoY-3.1% QoQ
|
-59.2% |
88.0%
+0.9% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$46,349
-0.7% YoY+1.4% QoQ
|
+$16K |
$30,672
+5.5% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Top 5.1% in tier |
| CD Concentration |
39.2%
+4.2% YoY-1.0% QoQ
|
+10.3% | 28.8% | 21.3% | 19.8% | Top 11.5% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 5.1% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)