BlastPoint's Credit Union Scorecard

THE SOUTHERN

Charter #68638 · GA

Community 500M-750M

167 CUs in 500M-750M nationally 3 in GA

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THE SOUTHERN has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Delinquency Rate (60+ days): Top 1.2% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 17.3% in tier
- Efficiency Drag: Bottom 19.4% in tier
- Membership Headwinds: Bottom 82.8% in tier
- Stagnation Risk: Bottom 82.8% in tier
- ROA 0.33% below tier average
- Efficiency ratio 9.67% above tier (higher cost structure)
- Member decline: -3.4% YoY
- Total Loans: Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	30,052 -3.4% YoY-0.3% QoQ	-8.0K	38,079 -4.8% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	20%
Assets	$564.3M +2.3% YoY+1.6% QoQ	$-55.3M	$619.7M -0.2% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	30%
Loans	$209.8M -2.7% YoY-2.5% QoQ	$-209.5M	$419.3M -1.4% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	Bottom 3.0% in tier
Deposits	$502.9M +1.5% YoY+2.1% QoQ	$-36.6M	$539.5M -0.1% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -23.3% YoY-25.9% QoQ	-0.3%	0.7% +36.0% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	27%
NIM	2.9% +2.3% YoY-0.2% QoQ	-0.5%	3.5% +4.5% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	Bottom 13.8% in tier
Efficiency Ratio	88.1% +3.7% YoY+2.0% QoQ	+9.7%	78.4% -3.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	0.1% -27.7% YoY-47.0% QoQ	-0.6	0.7% -0.9% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	Top 1.2% in tier
Loan To Share	41.7% -4.2% YoY-4.5% QoQ	-36.0%	77.7% -1.2% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	Bottom 3.6% in tier
AMR	$23,715 +3.7% YoY+1.0% QoQ	$-3K	$26,927 +3.1% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	39%
CD Concentration	17.4% +9.0% YoY+0.9% QoQ	-6.9%	24.3%	20.0%	19.8%	25%
Indirect Auto %	0.0%	-13.8%	13.8%	4.3%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Institutional Decline

decline

#80 of 250 • Bottom 17.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $564.34M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -3.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.68%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#216 of 596 • Bottom 19.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.05%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -3.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Membership Headwinds

decline

#230 of 570 • Bottom 82.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#262 of 570 • Bottom 82.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.68%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.10%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.62%

#3 of 167 Top 1.2% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.39%

#22 of 167 Top 12.6% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.42%

Peer Median: 26.29%

#24 of 167 Top 13.8% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 375.650

Peer Median: 318.730

#40 of 167 Top 23.4% in 500M-750M tier

Top Weaknesses (8 metrics)

162

Total Loans

balance_sheet

Value: $209.82M

Peer Median: $427.27M

#162 of 167 Bottom 3.6% in 500M-750M tier

161

Loan-to-Share Ratio

balance_sheet

Value: 41.72%

Peer Median: 79.97%

#161 of 167 Bottom 4.2% in 500M-750M tier

157

Loan-to-Member Ratio (LMR)

engagement

Value: $6,982

Peer Median: $11,231

#157 of 167 Bottom 6.6% in 500M-750M tier

144

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: 3.48%

#144 of 167 Bottom 14.4% in 500M-750M tier

144

Member Growth Rate

growth

Value: -3.35%

Peer Median: 1.03%

#144 of 167 Bottom 14.4% in 500M-750M tier

144

Loan Growth Rate

growth

Value: -2.68%

Peer Median: 4.25%

#144 of 167 Bottom 14.4% in 500M-750M tier

139

Efficiency Ratio

profitability

Value: 88.05%

Peer Median: 78.61%

#139 of 167 Bottom 17.4% in 500M-750M tier

133

Total Members

engagement

Value: 30,052

Peer Median: 36,874

#133 of 167 Bottom 21.0% in 500M-750M tier