BlastPoint's Credit Union Scorecard
SOUTHERN
Charter #66980 · TN
SOUTHERN has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Efficiency ratio 26.16% above tier (higher cost structure)
- - Delinquency rate 1.27% above tier average
- - Member decline: -5.9% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,686
-5.9% YoY-1.5% QoQ
|
-939 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$19.1M
-5.8% YoY-4.8% QoQ
|
$-10.7M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$7.6M
-14.7% YoY-3.5% QoQ
|
$-8.1M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$16.7M
-6.7% YoY-6.2% QoQ
|
$-8.7M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
48% |
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| ROA |
-0.5%
-15.6% YoY-23.2% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.3% in tier |
| NIM |
2.8%
+13.7% YoY+3.3% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.6% in tier |
| Efficiency Ratio |
107.6%
-5.4% YoY-1.6% QoQ
|
+26.2% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 6.9% in tier |
| Delinquency Rate |
2.8%
+501.2% YoY+31.3% QoQ
|
+1.3 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 13.4% in tier |
| Loan To Share |
45.5%
-8.6% YoY+2.9% QoQ
|
-15.7% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$14,446
-3.7% YoY-4.0% QoQ
|
$-181 |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
26.9%
-7.1% YoY-5.6% QoQ
|
+2.4% |
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 (0)
Concerns (0)
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)