SOUTHLAND
Charter #68415 | CA
SOUTHLAND has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 25.2% in tier
- + Wallet Share Momentum: Top 27.6% in tier
- + Emerging Performer: Top 29.9% in tier
- + 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
- - Growth-at-Risk: 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
|
27th in tier |
| 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
|
30th in tier |
| 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
|
28th in tier |
| 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
|
32nd in tier |
| 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
|
27th in tier |
| 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
|
Top 19.7% in tier |
| 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
|
72nd in tier |
| 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
|
33rd in tier |
| 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
|
57th in tier |
| CD Concentration |
29.4%
+19.9% YoY+9.7% QoQ
|
+0.4% |
29.0%
+0.8% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
54th in tier |
| Indirect Auto % |
11.5%
-23.3% YoY-6.7% QoQ
|
-7.3% |
18.8%
-2.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
38th in tier |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members without relying on indirect channels. 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.
Growth-at-Risk
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)