BlastPoint's Credit Union Scorecard

SOUTHERN ENERGY

Charter #62728 · AL

Mid-Market 3B-5B

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

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SOUTHERN ENERGY has 9 strengths but faces 12 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 Leader: Top 8.4% in tier
+ Organic Growth Engine: Top 14.4% in tier
+ Credit Quality Leader: Top 28.7% in tier
+ Strong member growth: 6.1% YoY
+ Net Charge-Off Rate: Top 0.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 1.3% in tier
+ Average Member Relationship (AMR): Top 2.6% in tier
+ Total Delinquency Rate (60+ days): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Wealth Migration Risk: Bottom 2.2% in tier
- Shrinking Wallet Share: Bottom 7.6% in tier
- Credit Quality Pressure: Bottom 25.9% in tier
- Credit Risk Growth: Bottom 26.8% in tier
- Flatlined Growth: Bottom 37.1% in tier
- ROA 0.35% below tier average
- Net Interest Margin (NIM): Bottom 1.3% in tier
- Loan-to-Share Ratio: Bottom 1.3% in tier
- Total Members: Bottom 1.3% in tier
- Total Loans: Bottom 1.3% in tier
- First Mortgage Concentration (%): Bottom 7.9% in tier
- Fee Income Per Member: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	90,616 +6.1% YoY+0.1% QoQ	-147.8K	238,465 +0.6% YoY	29,240 -2.8% YoY	33,089 +6.1% YoY	Bottom 0.0% in tier
Assets	$3.6B +1.6% YoY-0.3% QoQ	$-405.9M	$4.0B -0.1% YoY	$436.7M +7.4% YoY	$547.7M +7.8% YoY	29%
Loans	$940.9M +4.5% YoY+0.5% QoQ	$-2.1B	$3.0B +3.3% YoY	$258.0M +6.8% YoY	$388.7M +8.6% YoY	Bottom 0.0% in tier
Deposits	$3.2B +0.3% YoY-1.3% QoQ	$-133.7M	$3.3B +1.1% YoY	$382.5M +6.8% YoY	$464.6M +9.3% YoY	40%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +29.8% YoY+10.7% QoQ	-0.4%	0.7% +5.3% YoY	0.8% +31.6% YoY	0.7% +273.4% YoY	17%
NIM	1.1% +16.4% YoY+6.9% QoQ	-2.1%	3.2% +13.7% YoY	3.7% +6.4% YoY	3.7% +5.0% YoY	Bottom 0.0% in tier
Efficiency Ratio	69.2% -4.7% YoY-2.2% QoQ	-2.0%	71.3% -0.6% YoY	76.4% -6.2% YoY	79.1% -3.3% YoY	45%
Delinquency Rate	0.2% +6.0% YoY-0.9% QoQ	-0.6	0.8% +15.9% YoY	1.7% +18.9% YoY	1.2% -0.9% YoY	Bottom 6.6% in tier
Loan To Share	29.4% +4.2% YoY+1.9% QoQ	-61.4%	90.8% +2.0% YoY	60.8% -1.6% YoY	68.0% -1.7% YoY	Bottom 0.0% in tier
AMR	$45,691 -4.6% YoY-1.0% QoQ	+$17K	$29,088 +0.1% YoY	$17,062 +2.3% YoY	$19,418 +1.3% YoY	Top 3.9% in tier
CD Concentration	39.1% +3.5% YoY+1.5% QoQ	+10.1%	29.0% +0.7% YoY	20.8% +2.9% YoY	19.6% +6.2% YoY	Top 13.4% in tier
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	5.4% -6.7% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#34 of 138 • Top 8.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.08%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Organic Growth Engine

growth

#105 of 246 • Top 14.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.08%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.39%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Credit Quality Leader

growth

#28 of 95 • Top 28.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.24%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Concerns (5)

Wealth Migration Risk

decline

#2 of 10 • Bottom 2.2% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $45.7K

(Tier: $29.2K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -4.59%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

10 of 380 Mid-Market CUs have this signature | 39 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#24 of 83 • Bottom 7.6% in tier

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

Why This Signature

AMR Growth (YoY): -4.59%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Credit Quality Pressure

risk

#199 of 217 • Bottom 25.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Credit Risk Growth

risk

#150 of 161 • Bottom 26.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.47%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Flatlined Growth

risk

#14 of 18 • Bottom 37.1% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.57%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Return on Assets: 0.39%

(Tier: 0.71%, National: 0.71%)

worse than tier avg

18 of 380 Mid-Market CUs have this signature | 82 nationally

→ Stable (18→18 CUs)

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 76 peers in tier

Top Strengths (7 metrics)

Net Charge-Off Rate

risk

Value: 0.07%

Peer Avg: -

#1 of 76 Top 0.0% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 76 Top 0.0% in 3B-5B tier

Net Worth Ratio

risk

Value: 14.37%

Peer Avg: -

#2 of 76 Top 1.3% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $45,691

Peer Avg: -

#3 of 76 Top 2.6% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Avg: -

#6 of 76 Top 6.6% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 503.422

Peer Avg: -

#16 of 76 Top 19.7% in 3B-5B tier

Member Growth Rate

growth

Value: 6.08%

Peer Avg: -

#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (11 metrics)

Net Interest Margin (NIM)

profitability

Value: 1.12%

Peer Avg: -

#76 of 76 Bottom 1.3% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 29.41%

Peer Avg: -

#76 of 76 Bottom 1.3% in 3B-5B tier

Total Members

engagement

Value: 90,616

Peer Avg: -

#76 of 76 Bottom 1.3% in 3B-5B tier

Total Loans

balance_sheet

Value: $940.95M

Peer Avg: -

#76 of 76 Bottom 1.3% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 63.65%

Peer Avg: -

#71 of 76 Bottom 7.9% in 3B-5B tier

Fee Income Per Member

profitability

Value: $84.02

Peer Avg: -

#70 of 76 Bottom 9.2% in 3B-5B tier

AMR Growth Rate

growth

Value: -4.59%

Peer Avg: -

#68 of 76 Bottom 11.8% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.39%

Peer Avg: -

#63 of 76 Bottom 18.4% in 3B-5B tier

Deposit Growth Rate

growth

Value: 0.29%

Peer Avg: -

#63 of 76 Bottom 18.4% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,384

Peer Avg: -

#62 of 76 Bottom 19.7% in 3B-5B tier