BlastPoint's Credit Union Scorecard
THE SOUTHERN
Charter #68638 · GA
THE SOUTHERN has 2 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
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 41.8% in tier
- - Institutional Decline: Bottom 49.0% in tier
- - Efficiency Drag: Bottom 52.9% in tier
- - Stagnation Risk: Bottom 54.6% in tier
- - Credit Quality Pressure: Bottom 75.8% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 8.78% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Total Loans: Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,153
-3.3% YoY-0.9% QoQ
|
-8.4K |
38,575
-4.8% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$555.2M
+4.0% YoY+0.9% QoQ
|
$-66.5M |
$621.7M
+0.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$215.2M
-1.1% YoY+0.5% QoQ
|
$-214.6M |
$429.8M
-1.8% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.4% in tier |
| Deposits |
$492.7M
+2.3% YoY+1.0% QoQ
|
$-46.0M |
$538.7M
+0.6% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
28% |
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 |
0.5%
-31.4% YoY-9.3% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
2.9%
+1.5% YoY+0.1% QoQ
|
-0.5% |
3.4%
+8.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
86.3%
+7.0% YoY+0.3% QoQ
|
+8.8% |
77.5%
-4.1% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.2%
+87.5% YoY+86.7% QoQ
|
-0.6 |
0.8%
-1.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.5% in tier |
| Loan To Share |
43.7%
-3.3% YoY-0.4% QoQ
|
-36.2% |
79.8%
-2.3% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.0% in tier |
| AMR |
$23,477
+4.6% YoY+1.7% QoQ
|
$-3K |
$26,849
+2.7% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
17.3%
+10.0% YoY+0.8% QoQ
|
-7.2% | 24.4% | 20.5% | 19.8% | 25% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)