BlastPoint's Credit Union Scorecard
SOUTHEASTERN
Charter #68673 · GA
SOUTHEASTERN has 11 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 15.6% in tier
- + Wallet Share Momentum: Top 23.8% in tier
- + ROA 0.30% above tier average
- + Total Delinquency Rate (60+ days): Top 4.5% in tier
- + Net Charge-Off Rate: Top 4.5% in tier
- + Total Loans: Top 5.0% in tier
- + Total Deposits: Top 7.7% in tier
- + Total Assets: Top 8.1% in tier
- + AMR Growth Rate: Top 8.4% in tier
- + Asset Growth Rate: Top 9.7% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.2% in tier
- - Indirect Auto Dependency: Bottom 18.7% in tier
- - Credit Quality Pressure: Bottom 24.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,278
+0.4% YoY-0.4% QoQ
|
+8.6K |
15,628
-3.4% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 14.6% in tier |
| Assets |
$416.1M
+10.5% YoY+1.5% QoQ
|
+$184.8M |
$231.3M
-0.0% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Top 8.2% in tier |
| Loans |
$309.5M
+11.2% YoY+3.6% QoQ
|
+$161.7M |
$147.8M
-1.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Top 5.1% in tier |
| Deposits |
$365.1M
+10.5% YoY+1.3% QoQ
|
+$164.8M |
$200.3M
-0.0% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Top 7.8% in tier |
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| ROA |
1.1%
+16.7% YoY+0.8% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
3.6%
+6.2% YoY+1.1% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
75.4%
-2.3% YoY+0.0% QoQ
|
-1.9% |
77.3%
-3.0% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.1%
+102.8% YoY+134.0% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 4.5% in tier |
| Loan To Share |
84.8%
+0.6% YoY+2.2% QoQ
|
+12.1% |
72.7%
-1.5% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$27,787
+10.4% YoY+2.7% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
27.4%
+7.8% YoY-3.0% QoQ
|
+3.0% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
15.8%
-10.1% YoY-4.1% QoQ
|
+1.8% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)