BlastPoint's Credit Union Scorecard
SOUTHPOINT FINANCIAL
Charter #68667 · MN
SOUTHPOINT FINANCIAL has 1 strength but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Member Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.2% in tier
- - Credit Risk Growth: Bottom 21.6% in tier
- - Efficiency Drag: Bottom 30.8% in tier
- - Indirect Auto Dependency: Bottom 33.8% in tier
- - Efficiency ratio 4.64% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,925
+4.6% YoY+0.3% QoQ
|
-4.7K |
38,575
-4.8% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$609.9M
+6.6% YoY+4.6% QoQ
|
$-11.8M |
$621.7M
+0.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$451.3M
+8.9% YoY+1.0% QoQ
|
+$21.5M |
$429.8M
-1.8% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$514.4M
+6.7% YoY+5.3% QoQ
|
$-24.3M |
$538.7M
+0.6% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.6%
+81.0% YoY-3.3% QoQ
|
+0.0% |
0.7%
+42.9% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
2.8%
+15.9% YoY+0.1% QoQ
|
-0.7% |
3.4%
+8.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio |
82.1%
-7.2% YoY-1.4% QoQ
|
+4.6% |
77.5%
-4.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.5%
+258.5% YoY+9.9% QoQ
|
-0.4 |
0.8%
-1.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
87.7%
+2.1% YoY-4.1% QoQ
|
+7.9% |
79.8%
-2.3% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$28,466
+3.0% YoY+2.9% QoQ
|
+$2K |
$26,849
+2.7% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
36.5%
+6.3% YoY+0.4% QoQ
|
+12.0% | 24.4% | 22.0% | 19.8% | Top 12.1% in tier |
| Indirect Auto % |
18.6%
-1.9% YoY-3.0% QoQ
|
+4.8% | 13.8% | 6.5% | 7.8% | 69% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)