BlastPoint's Credit Union Scorecard
THE SOUTHERN
Charter #68638 · GA
THE SOUTHERN has 1 strength but faces 8 concerns
How does the industry compare?
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How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12.2% in tier
- - Institutional Decline: Bottom 17.6% in tier
- - Credit Quality Pressure: Bottom 48.6% in tier
- - Membership Headwinds: Bottom 83.6% in tier
- - Stagnation Risk: Bottom 83.6% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 12.41% above tier (higher cost structure)
- - Member decline: -3.4% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Georgia.
- Shares and deposits +1.9% year over year ($499M in shares and deposits).
- Membership: 29,763 members, -3.4% vs a year ago.
- Delinquency rate 0.10%.
- Return on assets 0.43%.
- Efficiency ratio 88.97% vs a 76.56% peer average.
- Loan-to-share ratio 42.02% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,763
-3.4% YoY-1.0% QoQ
|
-8.1K |
37,897
-5.0% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$560.2M
+2.2% YoY-0.7% QoQ
|
$-62.2M |
$622.4M
+0.6% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$209.7M
-3.3% YoY-0.0% QoQ
|
$-218.8M |
$428.5M
-0.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.0% in tier |
| Deposits |
$499.1M
+1.9% YoY-0.7% QoQ
|
$-40.6M |
$539.8M
+0.9% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.4%
-12.8% YoY+20.4% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.0%
+4.1% YoY+2.7% QoQ
|
-0.5% |
3.5%
+5.0% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
89.0%
+3.7% YoY+1.0% QoQ
|
+12.4% |
76.6%
-3.6% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
0.1%
+34.5% YoY-0.2% QoQ
|
-0.7 |
0.8%
+3.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Top 2.4% in tier |
| Loan To Share |
42.0%
-5.1% YoY+0.7% QoQ
|
-37.3% |
79.3%
-1.4% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.6% in tier |
| AMR |
$23,816
+3.9% YoY+0.4% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
17.9%
+7.2% YoY+2.9% QoQ
|
-6.6% | 24.6% | 20.2% | 20.0% | 27% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)