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 Leader: Top 90.8% in tier
- + Organic Growth Engine: Top 97.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.5% in tier
- - Credit Risk Growth: Bottom 63.2% in tier
- - Efficiency Drag: Bottom 83.2% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 7.00% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.6% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,936
+1.3% YoY+0.3% QoQ
|
-26.5K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$1.3B
+4.3% YoY+2.8% QoQ
|
$-405.2M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$914.6M
+2.8% YoY+1.1% QoQ
|
$-319.8M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$1.1B
+4.9% YoY+2.8% QoQ
|
$-318.0M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
34% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-157.5% YoY+13.2% QoQ
|
-0.5% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.3% in tier |
| NIM |
3.0%
+7.2% YoY-1.2% QoQ
|
-0.3% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
81.1%
-6.8% YoY-0.5% QoQ
|
+7.0% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.8%
+44.7% YoY-16.1% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
80.1%
-2.0% YoY-1.7% QoQ
|
-4.7% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$28,983
+2.6% YoY+1.8% QoQ
|
$-446 |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
31.3%
+15.5% YoY+6.4% QoQ
|
+2.2% | 29.0% | 21.7% | 19.8% | 62% |
| Indirect Auto % |
10.9%
-23.2% YoY-5.4% QoQ
|
-7.4% | 18.3% | 9.2% | 7.8% | 39% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
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)