BlastPoint's Credit Union Scorecard

SOUTHERN

Charter #66980 · TN

<100M

2508 CUs in <100M nationally 86 in TN

SOUTHERN faces 5 concerns requiring attention

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.67% below tier average
- Efficiency ratio 16.96% above tier (higher cost structure)
- Member decline: -5.9% YoY
- Asset Growth Rate: Bottom 3.0% in tier
- Deposit Growth Rate: Bottom 4.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	1,632 -5.9% YoY-0.6% QoQ	-1.0K	2,676 +1.6% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	44%
Assets	$18.2M -12.3% YoY-2.5% QoQ	$-12.0M	$30.2M +1.3% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	46%
Loans	$7.3M -12.6% YoY-3.3% QoQ	$-8.0M	$15.3M -2.0% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	43%
Deposits	$16.0M -13.1% YoY-2.6% QoQ	$-9.8M	$25.8M +0.7% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	47%

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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	-0.5% +97.1% YoY-2.4% QoQ	-0.7%	0.1% -77.6% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Bottom 13.0% in tier
NIM	3.0% +12.3% YoY+3.0% QoQ	-1.0%	4.0% +4.0% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	19%
Efficiency Ratio	107.6% +10.9% YoY-1.9% QoQ	+17.0%	90.6% +6.5% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	Bottom 10.9% in tier
Delinquency Rate	1.5% -25.3% YoY-42.4% QoQ	+0.0	1.5% +3.8% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	75%
Loan To Share	45.5% +0.6% YoY-0.7% QoQ	-13.0%	58.5% -3.0% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	30%
AMR	$14,277 -7.6% YoY-2.2% QoQ	$-607	$14,884 -1.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	52%
CD Concentration	24.5% -13.6% YoY-7.7% QoQ	+0.2%	24.3%	22.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Top Weaknesses (10 metrics)

2435

Asset Growth Rate

growth

Value: -12.27%

Peer Median: 1.30%

#2435 of 2508 Bottom 3.0% in <100M tier

2409

Deposit Growth Rate

growth

Value: -13.15%

Peer Median: 0.66%

#2409 of 2508 Bottom 4.0% in <100M tier

2235

Efficiency Ratio

profitability

Value: 107.59%

Peer Median: 81.45%

#2235 of 2508 Bottom 10.9% in <100M tier

2234

AMR Growth Rate

growth

Value: -7.55%

Peer Median: 1.27%

#2234 of 2508 Bottom 11.0% in <100M tier

2182

Return on Assets (ROA)

profitability

Value: -0.52%

Peer Median: 0.61%

#2182 of 2508 Bottom 13.0% in <100M tier

2158

Member Growth Rate

growth

Value: -5.88%

Peer Median: -1.37%

#2158 of 2508 Bottom 14.0% in <100M tier

2108

Loan Growth Rate

growth

Value: -12.64%

Peer Median: -2.36%

#2108 of 2508 Bottom 16.0% in <100M tier

2039

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: 0.07%

#2039 of 2508 Bottom 18.7% in <100M tier

2029

Net Interest Margin (NIM)

profitability

Value: 3.01%

Peer Median: 3.83%

#2029 of 2508 Bottom 19.1% in <100M tier

1885

Total Delinquency Rate (60+ days)

risk

Value: 1.55%

Peer Median: 0.65%

#1885 of 2508 Bottom 24.9% in <100M tier