BlastPoint's Credit Union Scorecard
SOUTHERN STAR
Charter #67660 · TX
SOUTHERN STAR has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 26.21% above tier (higher cost structure)
- - Delinquency rate 0.61% above tier average
- - Member decline: -3.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,760
-3.4% YoY-1.4% QoQ
|
+144 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$18.5M
-0.1% YoY+0.1% QoQ
|
$-11.7M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$9.2M
-6.7% YoY+2.7% QoQ
|
$-6.6M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$16.1M
+2.0% YoY+0.7% QoQ
|
$-9.5M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
-0.5%
+208.0% YoY+89.5% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.0% in tier |
| NIM |
3.6%
-0.3% YoY-0.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
108.8%
+3.9% YoY+5.1% QoQ
|
+26.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 6.8% in tier |
| Delinquency Rate |
2.2%
-5.3% YoY-31.5% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
57.0%
-8.5% YoY+2.0% QoQ
|
-3.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$9,187
+2.1% YoY+2.9% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
19.8%
+13.2% YoY+2.2% QoQ
|
-4.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)