BlastPoint's Credit Union Scorecard
SOUTHERN
Charter #9214 ยท TX
2596 CUs in <100M nationally
245 in TX
SOUTHERN has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 9.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.6% in tier
- + Member Growth Rate: Top 3.3% in tier
- + Total Assets: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 6.86% above tier (higher cost structure)
- - Delinquency rate 1.68% above tier average
- - AMR Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,695
+9.9% YoY-0.2% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$77.3M
-0.4% YoY-3.8% QoQ
|
+$47.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 8.8% in tier |
| Loans |
$33.8M
-0.4% YoY-1.4% QoQ
|
+$18.0M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 15.0% in tier |
| Deposits |
$43.7M
-1.2% YoY-6.7% QoQ
|
+$18.2M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
78% |
| ROA |
0.3%
-77.7% YoY+5.9% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
3.0%
-11.5% YoY+2.0% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
88.3%
+41.6% YoY+0.3% QoQ
|
+6.9% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
3.2%
+4.2% YoY-21.4% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 11.1% in tier |
| Loan To Share |
77.4%
+0.8% YoY+5.7% QoQ
|
+16.2% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$20,971
-9.8% YoY-4.2% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
34.5%
+11.8% YoY+9.0% QoQ
|
+10.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
43
Net Worth Ratio
risk
Value:
43.53%
Peer Avg: 16.43%
#43 of 2596
Top 1.6% in <100M tier
87
Member Growth Rate
growth
Value:
9.90%
Peer Avg: 14.92%
#87 of 2596
Top 3.3% in <100M tier
228
Total Assets
balance_sheet
Value:
$77.32M
Peer Avg: $29.86M
#228 of 2596
Top 8.7% in <100M tier
303
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,149
Peer Avg: $5,488
#303 of 2596
Top 11.6% in <100M tier
390
Total Loans
balance_sheet
Value:
$33.81M
Peer Avg: $15.77M
#390 of 2596
Top 15.0% in <100M tier
442
Average Member Relationship (AMR)
engagement
Value:
$20,971
Peer Avg: $14,627
#442 of 2596
Top 17.0% in <100M tier
577
Total Deposits
balance_sheet
Value:
$43.68M
Peer Avg: $25.45M
#577 of 2596
Top 22.2% in <100M tier
635
Total Members
engagement
Value:
3,695
Peer Avg: 2,626
#635 of 2596
Top 24.4% in <100M tier
Top Weaknesses (4 metrics)
2393
AMR Growth Rate
growth
Value:
-9.77%
Peer Avg: 4.67%
#2393 of 2596
Bottom 7.9% in <100M tier
2310
Total Delinquency Rate (60+ days)
risk
Value:
3.18%
Peer Avg: 1.51%
#2310 of 2596
Bottom 11.1% in <100M tier
2279
Share Certificate Concentration (%)
balance_sheet
Value:
34.46%
Peer Avg: 15.37%
#2279 of 2596
Bottom 12.2% in <100M tier
2098
Net Interest Margin (NIM)
profitability
Value:
3.04%
Peer Avg: 3.93%
#2098 of 2596
Bottom 19.2% in <100M tier