BlastPoint's Credit Union Scorecard
ONE SOUTH
Charter #8840 · MS
ONE SOUTH has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 1.33% above tier average
- + Member Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.49% above tier average
- - Net Charge-Off Rate: Bottom 5.7% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,812
+3.9% YoY-0.7% QoQ
|
+135 |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$17.2M
-4.1% YoY+2.8% QoQ
|
$-12.9M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$7.9M
-10.2% YoY-7.1% QoQ
|
$-7.4M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$14.4M
-5.4% YoY+3.0% QoQ
|
$-11.4M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.4%
-78.8% YoY-76.0% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
5.3%
-2.6% YoY-8.7% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 7.6% in tier |
| Efficiency Ratio |
85.7%
+12.9% YoY+9.0% QoQ
|
-4.9% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
3.0%
-20.2% YoY-27.2% QoQ
|
+1.5 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.5% in tier |
| Loan To Share |
55.2%
-5.0% YoY-9.8% QoQ
|
-3.3% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$7,919
-10.6% YoY-0.1% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)