BlastPoint's Credit Union Scorecard
SOUTHERN PINE
Charter #67403 · GA
SOUTHERN PINE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Loan-to-Member Ratio (LMR): Top 2.7% in tier
- + Average Member Relationship (AMR): Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -11.3% YoY
- - Deposit Growth Rate: Bottom 4.7% in tier
- - Member Growth Rate: Bottom 4.8% in tier
- - First Mortgage Concentration (%): Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,235
-11.3% YoY+0.2% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$29.8M
-4.5% YoY-0.3% QoQ
|
$-362K |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$17.1M
-5.8% YoY-3.9% QoQ
|
+$1.8M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$23.3M
-12.0% YoY-0.6% QoQ
|
$-2.5M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
56% |
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| ROA |
0.8%
-52.7% YoY-88.7% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
3.6%
-4.2% YoY-7.8% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
40% |
| Efficiency Ratio |
80.8%
+21.6% YoY+117.6% QoQ
|
-9.9% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.8%
-51.8% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
73.5%
+7.1% YoY-3.3% QoQ
|
+15.0% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$32,721
+2.0% YoY-2.3% QoQ
|
+$18K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
Top 2.9% in tier |
| CD Concentration |
2.6%
-31.4% YoY-16.7% QoQ
|
-21.6% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)