BlastPoint's Credit Union Scorecard
SOUTHLAND
Charter #68415 · CA
SOUTHLAND has 2 strengths but faces 8 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 Leader: Top 68.3% in tier
- + Organic Growth Engine: Top 68.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.0% in tier
- - Shrinking Wallet Share: Bottom 93.5% in tier
- - Deposit Outflow: Bottom 97.8% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 6.33% above tier (higher cost structure)
- - Delinquency rate 0.62% above tier average
- - Deposit Growth Rate: Bottom 3.3% in tier
- - Net Worth Ratio: Bottom 6.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits -4.0% year over year ($1.05B in shares and deposits).
- Membership: 70,143 members, +0.6% vs a year ago.
- Delinquency rate 1.48%.
- Return on assets 0.32%.
- Efficiency ratio 79.35% vs a 73.02% peer average.
- Loan-to-share ratio 82.71% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,143
+0.6% YoY-0.4% QoQ
|
-26.7K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$1.3B
+3.2% YoY+1.2% QoQ
|
$-416.1M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$869.7M
-3.0% YoY-6.3% QoQ
|
$-364.6M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$1.1B
-4.0% YoY-1.5% QoQ
|
$-411.8M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.3%
-30.0% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.0% in tier |
| NIM |
3.1%
+6.0% YoY+0.2% QoQ
|
-0.3% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
79.3%
-5.4% YoY+0.8% QoQ
|
+6.3% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
1.5%
+24.9% YoY+204.6% QoQ
|
+0.6 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.3% in tier |
| Loan To Share |
82.7%
+1.1% YoY-4.9% QoQ
|
-2.0% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$27,390
-4.1% YoY-3.4% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
23.6%
-12.1% YoY+3.7% QoQ
|
-5.5% | 29.1% | 22.2% | 20.0% | 26% |
| Indirect Auto % |
10.8%
-13.0% YoY+3.0% QoQ
|
-7.3% | 18.1% | 9.2% | 7.7% | 39% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)