BlastPoint's Credit Union Scorecard
SOUTHLAND
Charter #68415 · CA
SOUTHLAND has 2 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 33.4% in tier
- + Organic Growth Leader: Top 33.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.8% in tier
- - Credit Risk Growth: Bottom 14.4% in tier
- - Efficiency Drag: Bottom 17.0% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 7.48% above tier (higher cost structure)
- - Delinquency rate 0.12% above tier average
- - Net Worth Ratio: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,752
+0.8% YoY+1.4% QoQ
|
-27.9K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$1.3B
+3.6% YoY+1.2% QoQ
|
$-436.9M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$904.6M
+1.4% YoY+0.9% QoQ
|
$-328.4M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$1.1B
+5.1% YoY+1.3% QoQ
|
$-344.3M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.2%
-356.3% YoY+434.1% QoQ
|
-0.5% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.6% in tier |
| NIM |
3.0%
+8.4% YoY+1.2% QoQ
|
-0.3% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
81.5%
-3.1% YoY-2.8% QoQ
|
+7.5% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.9%
+91.7% YoY-19.9% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
81.5%
-3.5% YoY-0.4% QoQ
|
-3.7% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$28,475
+2.7% YoY-0.3% QoQ
|
$-697 |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
29.4%
+19.9% YoY+9.7% QoQ
|
+0.4% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
54% |
| Indirect Auto % |
11.5%
-23.3% YoY-6.7% QoQ
|
-7.2% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
38% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)