BlastPoint's Credit Union Scorecard
ONE SOUTH
Charter #8840 · MS
ONE SOUTH has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 1.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.56% above tier average
- - AMR Growth Rate: Bottom 6.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.2% in tier
- - Deposit Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,832
+4.5% YoY-1.0% QoQ
|
+216 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$16.8M
-6.3% YoY-0.1% QoQ
|
$-13.4M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$8.5M
-2.7% YoY-1.1% QoQ
|
$-7.2M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$13.9M
-8.4% YoY-0.1% QoQ
|
$-11.8M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
1.6%
-14.5% YoY-15.7% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Top 13.7% in tier |
| NIM |
5.8%
+7.0% YoY+1.5% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
78.6%
+7.0% YoY+3.5% QoQ
|
-4.0% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
4.1%
+47.7% YoY+12.7% QoQ
|
+2.6 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 8.2% in tier |
| Loan To Share |
61.2%
+6.2% YoY-0.9% QoQ
|
+0.6% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$7,931
-10.3% YoY+0.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)