BlastPoint's Credit Union Scorecard

COMMUNITY SOUTH

Charter #67434 · FL

1069 CUs in 100M-500M nationally 35 in FL

COMMUNITY SOUTH has 7 strengths but faces 6 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 24.2% in tier
+ Organic Growth Leader: Top 25.9% in tier
+ Emerging Performer: Top 51.4% in tier
+ ROA 0.06% above tier average
+ Net Interest Margin 0.16% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 19.8% in tier
- Credit Quality Pressure: Bottom 37.2% in tier
- Deposit Outflow: Bottom 57.4% in tier
- Liquidity Strain: Bottom 98.2% in tier
- AMR Growth Rate: Bottom 3.3% in tier
- Deposit Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	15,150 +4.3% YoY+1.0% QoQ	-287	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	58%
Assets	$233.0M -0.5% YoY-0.1% QoQ	+$1.2M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	59%
Loans	$182.3M -2.4% YoY-2.5% QoQ	+$34.9M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	71%
Deposits	$200.5M -1.7% YoY-0.3% QoQ	$-325K	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	59%

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	0.8% +32.1% YoY+15.1% QoQ	+0.1%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	56%
NIM	3.8% +23.3% YoY+2.7% QoQ	+0.2%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	76.5% -12.6% YoY-5.3% QoQ	-0.5%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	48%
Delinquency Rate	0.6% +96.0% YoY+0.9% QoQ	-0.3	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	40%
Loan To Share	90.9% -0.6% YoY-2.2% QoQ	+18.7%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	Top 12.4% in tier
AMR	$25,265 -6.1% YoY-2.3% QoQ	+$589	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	64%
CD Concentration	34.7% +18.3% YoY+0.8% QoQ	+10.3%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#145 of 595 • Top 24.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.32%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.82%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#111 of 426 • Top 25.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.32%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#94 of 182 • Top 51.4% 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: 0.82%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 4.32%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#42 of 208 • Bottom 19.8% in tier

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

Why This Signature

AMR Growth (YoY): -6.09%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Credit Quality Pressure

risk

#263 of 705 • Bottom 37.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Deposit Outflow

decline

#40 of 69 • Bottom 57.4% 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): -1.73%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 4.32%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Liquidity Strain

risk

#224 of 228 • Bottom 98.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.92%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -2.35%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $276.44

Peer Median: -

#86 of 1069 Top 8.0% in 100M-500M tier

129

Member Growth Rate

growth

Value: 4.32%

Peer Median: -

#129 of 1069 Top 12.0% in 100M-500M tier

133

Loan-to-Share Ratio

balance_sheet

Value: 90.92%

Peer Median: -

#133 of 1069 Top 12.3% in 100M-500M tier

260

Loan-to-Member Ratio (LMR)

engagement

Value: $12,032

Peer Median: -

#260 of 1069 Top 24.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1035

AMR Growth Rate

growth

Value: -6.09%

Peer Median: -

#1035 of 1069 Bottom 3.3% in 100M-500M tier

967

Deposit Growth Rate

growth

Value: -1.73%

Peer Median: -

#967 of 1069 Bottom 9.6% in 100M-500M tier

931

Asset Growth Rate

growth

Value: -0.49%

Peer Median: -

#931 of 1069 Bottom 13.0% in 100M-500M tier

900

Share Certificate Concentration (%)

balance_sheet

Value: 34.69%

Peer Median: -

#900 of 1069 Bottom 15.9% in 100M-500M tier

837

Loan Growth Rate

growth

Value: -2.35%

Peer Median: -

#837 of 1069 Bottom 21.8% in 100M-500M tier