BlastPoint's Credit Union Scorecard
SOUTHERN STAR
Charter #67660 · TX
SOUTHERN STAR faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 30.33% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Member decline: -4.4% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -2.3% year over year ($15.5M in shares and deposits).
- Membership: 2,708 members, -4.4% vs a year ago.
- Delinquency rate 1.87%.
- Return on assets 0.82%.
- Efficiency ratio 119.10% vs a 88.77% peer average.
- Loan-to-share ratio 55.53% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,708
-4.4% YoY-1.2% QoQ
|
+122 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
63% |
| Assets |
$17.7M
-3.5% YoY-1.4% QoQ
|
$-12.6M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$8.6M
-9.1% YoY-1.2% QoQ
|
$-6.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$15.5M
-2.3% YoY-0.9% QoQ
|
$-10.4M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.8%
-799.6% YoY-217.1% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
3.6%
-0.9% YoY+0.6% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
119.1%
+16.0% YoY+4.3% QoQ
|
+30.3% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
1.9%
-49.2% YoY-41.2% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
55.5%
-7.0% YoY-0.3% QoQ
|
-3.4% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$8,875
-0.5% YoY+0.2% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
19.8%
+2.9% YoY+4.7% QoQ
|
-4.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 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)