BlastPoint's Credit Union Scorecard
SOUTHERN PINE
Charter #67403 · GA
SOUTHERN PINE has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 8.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.1% in tier
- + Efficiency Ratio: Top 1.3% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + Loan-to-Member Ratio (LMR): Top 2.3% in tier
- + Net Charge-Off Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -10.5% YoY
- - First Mortgage Concentration (%): Bottom 4.4% in tier
- - Member Growth Rate: Bottom 5.4% in tier
- - Deposit Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,249
-10.5% YoY-10.6% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$30.0M
-2.9% YoY-0.2% QoQ
|
+$151K |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$18.0M
-6.6% YoY-0.1% QoQ
|
+$2.3M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$23.6M
-10.8% YoY-6.6% QoQ
|
$-1.9M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
8.7%
+638.9% YoY+576.4% QoQ
|
+8.0% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 0.2% in tier |
| NIM |
3.9%
-1.3% YoY+1.2% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
32.8%
-55.4% YoY-54.4% QoQ
|
-48.6% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.3% in tier |
| Delinquency Rate |
0.0%
-98.9% YoY-70.5% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.0% in tier |
| Loan To Share |
76.4%
+4.7% YoY+6.9% QoQ
|
+15.2% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$33,333
+1.6% YoY+7.5% QoQ
|
+$19K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 2.3% in tier |
| CD Concentration |
3.5%
-55.1% YoY+5.3% QoQ
|
-20.9% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% 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)