BlastPoint's Credit Union Scorecard
SOUTHERN
Charter #9214 · TX
SOUTHERN has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 1.4% in tier
- + Total Assets: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Delinquency rate 0.54% above tier average
- - Member decline: -2.5% YoY
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Deposit Growth Rate: Bottom 7.8% in tier
- - AMR Growth Rate: Bottom 9.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -9.6% year over year ($42.3M in shares and deposits).
- Membership: 3,611 members, -2.5% vs a year ago.
- Delinquency rate 2.09%.
- Return on assets 0.69%.
- Efficiency ratio 77.19% vs a 88.77% peer average.
- Loan-to-share ratio 70.75% vs a 58.89% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,611
-2.5% YoY-1.2% QoQ
|
+1.0K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$76.4M
-4.9% YoY-1.5% QoQ
|
+$46.2M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 9.4% in tier |
| Loans |
$29.9M
-12.7% YoY-3.5% QoQ
|
+$14.5M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$42.3M
-9.6% YoY-2.6% QoQ
|
+$16.5M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
0.7%
+176.1% YoY-38.1% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
2.7%
-8.1% YoY+2.6% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
77.2%
-12.3% YoY+24.5% QoQ
|
-11.6% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
2.1%
-48.4% YoY-35.7% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
70.7%
-3.4% YoY-1.0% QoQ
|
+11.9% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$19,997
-8.7% YoY-1.8% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
36.6%
+15.7% YoY+2.5% QoQ
|
+12.0% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 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)