BlastPoint's Credit Union Scorecard

SOUTHEASTERN

Charter #68673 · GA

100M-500M

1070 CUs in 100M-500M nationally 18 in GA

SOUTHEASTERN has 6 strengths but faces 2 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 0.41% above tier average
+ Total Loans: Top 3.6% in tier
+ Total Deposits: Top 5.1% in tier
+ Total Assets: Top 5.9% 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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	24,090 -0.1% YoY+0.1% QoQ	+8.9K	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	Top 13.1% in tier
Assets	$436.7M +7.1% YoY+4.6% QoQ	+$205.0M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	Top 6.0% in tier
Loans	$322.4M +11.8% YoY+2.0% QoQ	+$178.3M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	Top 3.6% in tier
Deposits	$384.7M +7.3% YoY+4.9% QoQ	+$183.6M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	Top 5.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +15.8% YoY+0.8% QoQ	+0.4%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	77%
NIM	3.6% +3.5% YoY+0.3% QoQ	+0.0%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	73.7% -4.1% YoY-1.3% QoQ	-4.4%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	33%
Delinquency Rate	0.4% +414.4% QoQ	-0.4	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	29%
Loan To Share	83.8% +4.2% YoY-2.8% QoQ	+13.4%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	77%
AMR	$29,353 +9.4% YoY+3.4% QoQ	+$4K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	79%
CD Concentration	27.2% +5.2% YoY-2.4% QoQ	+3.0%	24.3%	20.0%	19.8%	50%
Indirect Auto %	13.9% -14.2% YoY-6.6% QoQ	+0.1%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#42 of 257 • 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): 9.42%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.6K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#149 of 491 • 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): 9.42%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (2)

Credit Risk Growth

risk

#48 of 476 • 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): 11.79%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.35% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#191 of 727 • 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): 0.35% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (13 metrics)

Total Loans

balance_sheet

Value: $322.43M

Peer Median: $121.41M

#39 of 1070 Top 3.6% in 100M-500M tier

Total Deposits

balance_sheet

Value: $384.69M

Peer Median: $171.29M

#56 of 1070 Top 5.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $436.70M

Peer Median: $196.57M

#64 of 1070 Top 5.9% in 100M-500M tier

119

AMR Growth Rate

growth

Value: 9.42%

Peer Median: 3.46%

#119 of 1070 Top 11.0% in 100M-500M tier

124

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.35%

#124 of 1070 Top 11.5% in 100M-500M tier

127

Loan Growth Rate

growth

Value: 11.79%

Peer Median: 2.93%

#127 of 1070 Top 11.8% in 100M-500M tier

140

Total Members

engagement

Value: 24,090

Peer Median: 13,200

#140 of 1070 Top 13.0% in 100M-500M tier

179

Loan-to-Member Ratio (LMR)

engagement

Value: $13,384

Peer Median: $9,356

#179 of 1070 Top 16.6% in 100M-500M tier

222

Deposit Growth Rate

growth

Value: 7.29%

Peer Median: 3.30%

#222 of 1070 Top 20.7% in 100M-500M tier

226

Average Member Relationship (AMR)

engagement

Value: $29,353

Peer Median: $22,931

#226 of 1070 Top 21.0% in 100M-500M tier

Top Weaknesses (1 metrics)

916

Members Per Employee (MPE)

engagement

Value: 236.176

Peer Median: 309.176

#916 of 1070 Bottom 14.5% in 100M-500M tier