BlastPoint's Credit Union Scorecard

SOUTHERN STAR

Charter #67660 · TX

<100M

2508 CUs in <100M nationally 237 in TX

SOUTHERN STAR faces 4 concerns requiring attention

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.85% below tier average
- Efficiency ratio 23.56% above tier (higher cost structure)
- Delinquency rate 1.67% above tier average
- Member decline: -3.8% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	2,741 -3.8% YoY-0.7% QoQ	+64	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	64%
Assets	$18.0M -2.6% YoY-2.8% QoQ	$-12.2M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	45%
Loans	$8.7M -10.7% YoY-5.7% QoQ	$-6.6M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	48%
Deposits	$15.6M -2.7% YoY-3.5% QoQ	$-10.2M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.7% +483.4% YoY+41.9% QoQ	-0.8%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 10.9% in tier
NIM	3.6% -1.1% YoY-1.7% QoQ	-0.4%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	114.2% +11.1% YoY+5.0% QoQ	+23.6%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 7.7% in tier
Delinquency Rate	3.2% +9.3% YoY+46.8% QoQ	+1.7	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 10.3% in tier
Loan To Share	55.7% -8.2% YoY-2.3% QoQ	-2.8%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	46%
AMR	$8,856 -2.1% YoY-3.6% QoQ	$-6K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	22%
CD Concentration	18.9% -0.6% YoY-4.5% QoQ	-5.4%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

262

Members Per Employee (MPE)

engagement

Value: 548.200

Peer Median: 333.750

#262 of 2508 Top 10.4% in <100M tier

Top Weaknesses (8 metrics)

2316

Efficiency Ratio

profitability

Value: 114.19%

Peer Median: 81.45%

#2316 of 2508 Bottom 7.7% in <100M tier

2251

Total Delinquency Rate (60+ days)

risk

Value: 3.18%

Peer Median: 0.65%

#2251 of 2508 Bottom 10.3% in <100M tier

2235

Return on Assets (ROA)

profitability

Value: -0.70%

Peer Median: 0.61%

#2235 of 2508 Bottom 10.9% in <100M tier

1998

Loan Growth Rate

growth

Value: -10.75%

Peer Median: -2.36%

#1998 of 2508 Bottom 20.4% in <100M tier

1945

Average Member Relationship (AMR)

engagement

Value: $8,856

Peer Median: $13,926

#1945 of 2508 Bottom 22.5% in <100M tier

1896

Asset Growth Rate

growth

Value: -2.62%

Peer Median: 1.30%

#1896 of 2508 Bottom 24.4% in <100M tier

1893

Member Growth Rate

growth

Value: -3.79%

Peer Median: -1.37%

#1893 of 2508 Bottom 24.6% in <100M tier

1893

First Mortgage Concentration (%)

balance_sheet

Value: 26.33%

Peer Median: 3.66%

#1893 of 2508 Bottom 24.6% in <100M tier