BlastPoint's Credit Union Scorecard
SOUTHERN PINE
Charter #67403 · GA
SOUTHERN PINE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.17% above tier average
- + Fee Income Per Member: Top 0.2% in tier
- + Efficiency Ratio: Top 1.2% in tier
- + Loan-to-Member Ratio (LMR): Top 2.4% in tier
- + Average Member Relationship (AMR): Top 2.5% in tier
- + Net Charge-Off Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -11.2% YoY
- - Member Growth Rate: Bottom 4.4% in tier
- - First Mortgage Concentration (%): Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,232
-11.2% YoY-1.4% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$29.9M
-4.3% YoY-0.3% QoQ
|
$-241K |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$17.8M
-3.7% YoY-1.2% QoQ
|
+$2.1M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$23.4M
-12.0% YoY-0.7% QoQ
|
$-2.3M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
6.8%
+404.4% YoY-21.9% QoQ
|
+6.2% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Top 0.4% in tier |
| NIM |
3.9%
-1.2% YoY+0.2% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
37.1%
-47.9% YoY+13.2% QoQ
|
-45.4% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
1.6%
+2941.9% YoY
|
+0.0 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
76.1%
+9.4% YoY-0.5% QoQ
|
+15.4% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$33,478
+2.9% YoY+0.4% QoQ
|
+$19K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Top 2.5% in tier |
| CD Concentration |
3.2%
-46.3% YoY-10.8% QoQ
|
-21.3% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)