BlastPoint's Credit Union Scorecard
SOUTHERN STAR
Charter #67660 · TX
SOUTHERN STAR has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Efficiency ratio 22.10% above tier (higher cost structure)
- - Delinquency rate 1.65% above tier average
- - Member decline: -4.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,800
-4.0% YoY-1.1% QoQ
|
+174 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$18.5M
+0.2% YoY+0.5% QoQ
|
$-11.4M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$9.0M
-12.2% YoY-5.0% QoQ
|
$-6.8M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$16.0M
+1.3% YoY+1.5% QoQ
|
$-9.4M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
-0.3%
+19.5% YoY+122.2% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.6% in tier |
| NIM |
3.7%
+0.7% YoY+0.5% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
103.5%
-3.2% YoY+0.8% QoQ
|
+22.1% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 9.3% in tier |
| Delinquency Rate |
3.2%
+89.0% YoY-14.1% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 11.2% in tier |
| Loan To Share |
55.9%
-13.3% YoY-6.4% QoQ
|
-5.3% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$8,931
-0.0% YoY+0.2% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
19.4%
+24.9% YoY+0.7% QoQ
|
-5.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% 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)