BlastPoint's Credit Union Scorecard

SOUTHERN ENERGY

Charter #62728 · AL

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 2 in AL

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SOUTHERN ENERGY has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 69.1% in tier
+ Organic Growth Leader: Top 69.1% in tier
+ Net Worth Ratio: Top 2.6% in tier
+ Total Delinquency Rate (60+ days): Top 3.9% in tier
+ Average Member Relationship (AMR): Top 3.9% in tier
+ Net Charge-Off Rate: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 82.8% in tier
- Deposit Outflow: Bottom 91.1% in tier
- ROA 0.47% 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 6.5% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Alabama.
Shares and deposits -1.0% year over year ($3.21B in shares and deposits).
Membership: 90,996 members, +0.5% vs a year ago.
Delinquency rate 0.23%.
Return on assets 0.46%.
Efficiency ratio 67.49% vs a 69.45% peer average.
Loan-to-share ratio 29.80% vs a 90.24% 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 (AL)	National Avg	Tier Percentile
Members	90,996 +0.5% YoY+0.4% QoQ	-125.5K	216,545 -9.5% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	Bottom 1.3% in tier
Assets	$3.6B +0.6% YoY-1.2% QoQ	$-304.0M	$3.9B -1.6% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	38%
Loans	$956.3M +2.2% YoY+1.9% QoQ	$-2.0B	$2.9B -1.2% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	Bottom 1.3% in tier
Deposits	$3.2B -1.0% YoY-1.6% QoQ	$-48.3M	$3.3B -2.6% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	43%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +29.0% YoY-0.7% QoQ	-0.5%	0.9% +25.3% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	17%
NIM	1.3% +19.6% YoY+3.1% QoQ	-2.0%	3.2% +3.8% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	Bottom 0.1% in tier
Efficiency Ratio	67.5% -4.6% YoY+0.4% QoQ	-2.0%	69.5% -2.3% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	47%
Delinquency Rate	0.2% -7.6% YoY+8.0% QoQ	-0.6	0.8% +5.5% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	Top 3.9% in tier
Loan To Share	29.8% +3.2% YoY+3.6% QoQ	-60.4%	90.2% +0.9% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	Bottom 0.1% in tier
AMR	$45,774 -0.8% YoY-1.2% QoQ	+$15K	$31,018 +6.9% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	Top 5.2% in tier
CD Concentration	39.9% +3.4% YoY+1.7% QoQ	+10.8%	29.1%	21.8%	20.0%	Top 10.9% in tier
Indirect Auto %	0.0%	-18.1%	18.1%	5.2%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#103 of 113 • Top 69.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.51%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 0.46%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank worsening

Organic Growth Leader

growth

#111 of 112 • Top 69.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.51%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank worsening

Concerns (2)

Deposit Outflow

decline

#16 of 23 • Bottom 91.1% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.01%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 0.51%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#65 of 69 • Bottom 82.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.81%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 77 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 18.00%

#1 of 77 Top 0.1% in 3B-5B tier

Net Worth Ratio

risk

Value: 14.59%

Peer Median: 10.81%

#3 of 77 Top 2.6% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: 0.63%

#4 of 77 Top 3.9% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $45,774

Peer Median: $28,880

#4 of 77 Top 3.9% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.47%

#7 of 77 Top 7.8% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 494.543

Peer Median: 390.144

#13 of 77 Top 15.6% in 3B-5B tier

Top Weaknesses (12 metrics)

Net Interest Margin (NIM)

profitability

Value: 1.26%

Peer Median: 3.28%

#77 of 77 Bottom 1.3% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 29.80%

Peer Median: 93.34%

#77 of 77 Bottom 1.3% in 3B-5B tier

Total Loans

balance_sheet

Value: $956.27M

Peer Median: $2.91B

#76 of 77 Bottom 2.6% in 3B-5B tier

Total Members

engagement

Value: 90,996

Peer Median: 211,695

#76 of 77 Bottom 2.6% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 63.49%

Peer Median: 32.92%

#73 of 77 Bottom 6.5% in 3B-5B tier

Deposit Growth Rate

growth

Value: -1.01%

Peer Median: 5.62%

#72 of 77 Bottom 7.8% in 3B-5B tier

Fee Income Per Member

profitability

Value: $90.28

Peer Median: $211.54

#71 of 77 Bottom 9.1% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,509

Peer Median: $13,282

#70 of 77 Bottom 10.4% in 3B-5B tier

Asset Growth Rate

growth

Value: 0.63%

Peer Median: 5.91%

#65 of 77 Bottom 16.9% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.46%

Peer Median: 0.94%

#64 of 77 Bottom 18.2% in 3B-5B tier