BlastPoint's Credit Union Scorecard

SOUTHEASTERN

Charter #68673 · GA

100M-500M

1024 CUs in 100M-500M nationally 18 in GA

SOUTHEASTERN has 7 strengths but faces 4 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.29% above tier average
+ Total Loans: Top 3.2% in tier
+ Total Deposits: Top 5.0% in tier
+ Total Assets: Top 5.7% in tier
+ AMR Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Georgia.
Shares and deposits +7.8% year over year ($389M in shares and deposits).
Membership: 24,092 members, -1.1% vs a year ago.
Delinquency rate 0.41%.
Return on assets 1.15%.
Efficiency ratio 72.36% vs a 76.73% peer average.
Loan-to-share ratio 85.77% vs a 71.54% 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	24,092 -1.1% YoY+0.0% QoQ	+8.9K	15,168 -2.6% YoY	32,666 +7.6% YoY	34,678 +6.6% YoY	Top 13.2% in tier
Assets	$440.7M +7.5% YoY+0.9% QoQ	+$208.7M	$232.0M +0.7% YoY	$529.0M +8.4% YoY	$593.1M +10.2% YoY	Top 5.8% in tier
Loans	$333.3M +11.5% YoY+3.4% QoQ	+$187.0M	$146.3M +0.2% YoY	$366.4M +11.0% YoY	$418.6M +10.1% YoY	Top 3.3% in tier
Deposits	$388.5M +7.8% YoY+1.0% QoQ	+$187.8M	$200.7M +0.2% YoY	$453.8M +8.0% YoY	$504.8M +10.3% YoY	Top 5.1% in tier

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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	1.2% +6.5% YoY+0.8% QoQ	+0.3%	0.9% +12.5% YoY	1.1% +36.8% YoY	1.2% +121.4% YoY	73%
NIM	3.7% +3.7% YoY+1.0% QoQ	+0.0%	3.7% +4.5% YoY	4.1% -0.3% YoY	3.8% +2.3% YoY	49%
Efficiency Ratio	72.4% -4.0% YoY-1.8% QoQ	-4.4%	76.7% -0.8% YoY	78.8% -0.4% YoY	83.0% -5.3% YoY	34%
Delinquency Rate	0.4% +8.5% QoQ	-0.5	0.9% +6.6% YoY	1.5% +41.3% YoY	1.3% +2.6% YoY	28%
Loan To Share	85.8% +3.4% YoY+2.3% QoQ	+14.2%	71.5% -0.3% YoY	70.2% -1.6% YoY	66.4% -1.4% YoY	77%
AMR	$29,961 +10.8% YoY+2.1% QoQ	+$5K	$25,107 +3.2% YoY	$17,498 +1.4% YoY	$20,028 -0.9% YoY	80%
CD Concentration	27.7% -1.9% YoY+1.6% QoQ	+3.1%	24.6%	20.2%	20.0%	50%
Indirect Auto %	13.3% -19.5% YoY-4.7% QoQ	-0.3%	13.6%	4.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#31 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 10.77%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.5K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#109 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.77%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#44 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.51%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.37% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#198 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.37% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Membership Headwinds

decline

#443 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#536 of 549 • Bottom 50.0% 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): -1.15%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 11.51%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.41%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | 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 1024 peers in tier

Top Strengths (11 metrics)

Total Loans

balance_sheet

Value: $333.27M

Peer Median: $124.04M

#34 of 1024 Top 3.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $388.55M

Peer Median: $170.77M

#52 of 1024 Top 5.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $440.68M

Peer Median: $196.38M

#59 of 1024 Top 5.7% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.77%

Peer Median: 3.53%

#87 of 1024 Top 8.4% in 100M-500M tier

131

Loan Growth Rate

growth

Value: 11.51%

Peer Median: 3.02%

#131 of 1024 Top 12.7% in 100M-500M tier

135

Total Members

engagement

Value: 24,092

Peer Median: 13,128

#135 of 1024 Top 13.1% in 100M-500M tier

162

Loan-to-Member Ratio (LMR)

engagement

Value: $13,833

Peer Median: $9,434

#162 of 1024 Top 15.7% in 100M-500M tier

171

Deposit Growth Rate

growth

Value: 7.84%

Peer Median: 3.58%

#171 of 1024 Top 16.6% in 100M-500M tier

210

Average Member Relationship (AMR)

engagement

Value: $29,961

Peer Median: $23,006

#210 of 1024 Top 20.4% in 100M-500M tier

212

Asset Growth Rate

growth

Value: 7.45%

Peer Median: 4.12%

#212 of 1024 Top 20.6% in 100M-500M tier

Top Weaknesses (1 metrics)

869

Members Per Employee (MPE)

engagement

Value: 238.535

Peer Median: 310.924

#869 of 1024 Bottom 15.2% in 100M-500M tier