BlastPoint's Credit Union Scorecard

SOUTHLAND

Charter #68415 · CA

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 39 in CA
View Mid-Market leaderboard →

SOUTHLAND has 2 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 68.9% in tier
  • + Organic Growth Leader: Top 68.9% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 96.6% in tier
  • - ROA 0.26% below tier average
  • - Efficiency ratio 4.06% above tier (higher cost structure)
  • - Deposit Growth Rate: Bottom 4.6% in tier
  • - Net Worth Ratio: Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 70,427
+0.5% YoY-0.7% QoQ
-25.6K 96,048
-2.7% YoY
57,202
-0.9% YoY
33,913
+5.7% YoY
28%
Assets $1.3B
+1.6% YoY-1.9% QoQ
$-427.0M $1.7B
+0.4% YoY
$1.2B
+0.4% YoY
$578.3M
+9.0% YoY
29%
Loans $928.6M
+5.0% YoY+1.5% QoQ
$-285.2M $1.2B
+0.2% YoY
$813.8M
+0.1% YoY
$402.4M
+8.7% YoY
31%
Deposits $1.1B
-3.3% YoY-6.5% QoQ
$-398.3M $1.5B
+0.5% YoY
$1.0B
+1.2% YoY
$494.3M
+9.1% YoY
26%

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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 0.5%
-420.3% YoY+148.8% QoQ
-0.3% 0.7%
+27.6% YoY
2.1%
+290.7% YoY
0.4%
-39.2% YoY
28%
NIM 3.1%
+7.5% YoY+5.8% QoQ
-0.2% 3.4%
+6.2% YoY
5.0%
+56.5% YoY
3.8%
+4.1% YoY
34%
Efficiency Ratio 78.7%
-6.0% YoY-2.9% QoQ
+4.1% 74.6%
-3.0% YoY
81.3%
-2.7% YoY
84.6%
+2.8% YoY
67%
Delinquency Rate 0.5%
-17.2% YoY-38.9% QoQ
-0.3 0.8%
+6.9% YoY
0.6%
-45.1% YoY
1.2%
+3.4% YoY
34%
Loan To Share 87.0%
+8.6% YoY+8.6% QoQ
+3.8% 83.2%
-0.4% YoY
67.3%
-0.6% YoY
65.6%
-1.4% YoY
55%
AMR $28,339
-0.1% YoY-2.2% QoQ
$-1K $29,652
+2.3% YoY
$28,733
+1.2% YoY
$19,920
+1.6% YoY
51%
CD Concentration 22.7%
-11.0% YoY-27.3% QoQ
-6.1% 28.8% 21.6% 19.8% 24%
Indirect Auto % 10.5%
-21.8% YoY-4.3% QoQ
-7.6% 18.1% 9.0% 7.7% 39%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#115 of 115 • Top 68.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.52%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Return on Assets: 0.46%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 10.45%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth
#116 of 116 • Top 68.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.52%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 10.45%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Concerns (1)

Deposit Outflow

decline
#10 of 23 • Bottom 96.6% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -3.31%
(Tier: 6.69%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 0.52%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
23 of 384 Mid-Market CUs have this signature | 98 nationally
→ No prior data (23 CUs now) | New qualifier

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)

Comparing against 306 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

293
Deposit Growth Rate
growth
Value: -3.31%
Peer Median: 4.44%
#293 of 306 Bottom 4.6% in 1B-3B tier
286
Net Worth Ratio
risk
Value: 8.58%
Peer Median: 10.85%
#286 of 306 Bottom 6.9% in 1B-3B tier
248
Asset Growth Rate
growth
Value: 1.57%
Peer Median: 4.82%
#248 of 306 Bottom 19.3% in 1B-3B tier
247
Fee Income Per Member
profitability
Value: $144.05
Peer Median: $191.54
#247 of 306 Bottom 19.6% in 1B-3B tier
231
AMR Growth Rate
growth
Value: -0.12%
Peer Median: 3.15%
#231 of 306 Bottom 24.8% in 1B-3B tier
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