BlastPoint's Credit Union Scorecard
SOUTHERN
Charter #9214 · TX
SOUTHERN has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Worth Ratio: Top 1.5% in tier
- + Total Assets: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.74% above tier average
- - Net Charge-Off Rate: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,655
-0.5% YoY-0.5% QoQ
|
+978 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$77.6M
-0.3% YoY+1.9% QoQ
|
+$47.4M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 8.7% in tier |
| Loans |
$31.0M
-10.8% YoY-5.4% QoQ
|
+$15.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$43.4M
-2.1% YoY+2.3% QoQ
|
+$17.6M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
1.1%
+375.7% YoY+279.6% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
2.7%
-11.4% YoY-13.2% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio |
62.0%
-30.0% YoY-29.6% QoQ
|
-28.6% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
3.2%
-13.9% YoY-14.8% QoQ
|
+1.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.0% in tier |
| Loan To Share |
71.4%
-8.9% YoY-7.5% QoQ
|
+12.9% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$20,365
-5.5% YoY-0.6% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
35.7%
+10.4% YoY+0.2% QoQ
|
+11.4% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)