BlastPoint's Credit Union Scorecard
SOUTHERN PINE
Charter #67403 · GA
SOUTHERN PINE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.05% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Member decline: -12.3% YoY
- - Deposit Growth Rate: Bottom 2.6% in tier
- - Member Growth Rate: Bottom 4.3% in tier
- - First Mortgage Concentration (%): Bottom 6.4% in tier
- - Asset Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,225
-12.3% YoY-0.8% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$27.6M
-8.4% YoY-7.6% QoQ
|
$-2.7M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$16.1M
-10.6% YoY-5.8% QoQ
|
+$678K |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$20.9M
-17.1% YoY-10.1% QoQ
|
$-4.9M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.9%
-29.4% YoY+18.6% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
4.0%
+2.6% YoY+9.8% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
79.2%
+10.1% YoY-1.9% QoQ
|
-9.5% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
0.8%
+1246.8% YoY+3.2% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
77.0%
+7.8% YoY+4.8% QoQ
|
+18.1% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$30,269
-2.4% YoY-7.5% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Top 4.1% in tier |
| CD Concentration |
3.5%
+4.8% YoY+33.8% QoQ
|
-21.0% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)