BlastPoint's Credit Union Scorecard

COMMUNITY SOUTH

Charter #67434 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

COMMUNITY SOUTH has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.16% above tier average
+ Net Interest Margin 0.25% above tier average
+ Fee Income Per Member: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Efficiency ratio 1.27% above tier (higher cost structure)
- AMR Growth Rate: Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	15,013 +2.4% YoY-0.9% QoQ	-132	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	59%
Assets	$239.1M +0.2% YoY+2.6% QoQ	+$7.4M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	60%
Loans	$177.7M -3.4% YoY-2.5% QoQ	+$33.5M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	71%
Deposits	$205.2M -1.4% YoY+2.3% QoQ	+$4.0M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	60%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +419.1% YoY+7.9% QoQ	+0.2%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	63%
NIM	3.9% +13.5% YoY+3.1% QoQ	+0.3%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	79.3% -3.5% YoY+3.7% QoQ	+1.3%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	0.5% +159.4% YoY-17.2% QoQ	-0.3	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	39%
Loan To Share	86.6% -2.1% YoY-4.7% QoQ	+16.2%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	82%
AMR	$25,501 -4.7% YoY+0.9% QoQ	+$583	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	64%
CD Concentration	33.9% +6.7% YoY-2.2% QoQ	+9.6%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#117 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.41%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.89%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#199 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.41%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#115 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.89%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.41%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#69 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.66%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Credit Quality Pressure

risk

#241 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.30% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Deposit Outflow

decline

#55 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.40%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 2.41%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $291.02

Peer Median: $154.95

#59 of 1070 Top 5.4% in 100M-500M tier

192

Loan-to-Share Ratio

balance_sheet

Value: 86.61%

Peer Median: 71.88%

#192 of 1070 Top 17.9% in 100M-500M tier

255

Member Growth Rate

growth

Value: 2.41%

Peer Median: -0.06%

#255 of 1070 Top 23.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1008

AMR Growth Rate

growth

Value: -4.66%

Peer Median: 3.46%

#1008 of 1070 Bottom 5.9% in 100M-500M tier

933

Deposit Growth Rate

growth

Value: -1.40%

Peer Median: 3.30%

#933 of 1070 Bottom 12.9% in 100M-500M tier

906

Loan Growth Rate

growth

Value: -3.45%

Peer Median: 2.93%

#906 of 1070 Bottom 15.4% in 100M-500M tier

882

Share Certificate Concentration (%)

balance_sheet

Value: 33.91%

Peer Median: 23.10%

#882 of 1070 Bottom 17.7% in 100M-500M tier

866

Asset Growth Rate

growth

Value: 0.19%

Peer Median: 3.91%

#866 of 1070 Bottom 19.2% in 100M-500M tier