BlastPoint's Credit Union Scorecard
THE SOUTHERN
Charter #68638 · GA
THE SOUTHERN has 4 strengths but faces 11 concerns
How does the industry compare?
What's your peer group doing?
How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 18.9% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 1.2% in tier
- + Share Certificate Concentration (%): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 13.9% in tier
- - Institutional Decline: Bottom 14.1% in tier
- - Stagnation Risk: Bottom 14.8% in tier
- - Efficiency Drag: Bottom 18.4% in tier
- - Credit Quality Pressure: Bottom 26.0% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 7.91% above tier (higher cost structure)
- - Member decline: -3.0% YoY
- - Total Loans: Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,414
-3.0% YoY-1.3% QoQ
|
-9.3K |
39,752
-2.7% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$550.2M
+2.8% YoY+0.3% QoQ
|
$-72.2M |
$622.4M
+0.3% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$214.1M
-2.1% YoY-1.3% QoQ
|
$-221.8M |
$435.9M
-0.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.4% in tier |
| Deposits |
$488.0M
+1.8% YoY-0.3% QoQ
|
$-50.0M |
$538.0M
+1.3% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
0.5%
-33.9% YoY+7.7% QoQ
|
-0.1% |
0.7%
+33.9% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
2.9%
+1.3% YoY+1.4% QoQ
|
-0.5% |
3.4%
+8.6% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
86.0%
+10.3% YoY+0.3% QoQ
|
+7.9% |
78.1%
-3.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.1%
+42.7% YoY+36.1% QoQ
|
-0.7 |
0.8%
-4.9% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 1.2% in tier |
| Loan To Share |
43.9%
-3.8% YoY-1.0% QoQ
|
-37.1% |
81.0%
-1.8% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.0% in tier |
| AMR |
$23,086
+3.7% YoY+0.7% QoQ
|
$-3K |
$26,482
+2.6% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
17.1%
+17.5% YoY+2.4% QoQ
|
-7.3% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
24% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)