BlastPoint's Credit Union Scorecard
SOUTHLAND
Charter #68415 · CA
SOUTHLAND has 2 strengths but faces 5 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 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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| 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
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)