BlastPoint's Credit Union Scorecard
SOUTHERN
Charter #9214 · TX
SOUTHERN has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.4% in tier
- + Total Assets: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency ratio 5.54% above tier (higher cost structure)
- - Delinquency rate 2.25% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,673
+0.5% YoY-0.6% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$76.1M
-0.9% YoY-1.5% QoQ
|
+$46.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 9.4% in tier |
| Loans |
$32.8M
-5.0% YoY-3.0% QoQ
|
+$17.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$42.4M
-2.0% YoY-2.8% QoQ
|
+$16.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
77% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-72.2% YoY+10.9% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
3.1%
-8.7% YoY+1.1% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
88.1%
+31.8% YoY-0.2% QoQ
|
+5.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
3.8%
-12.3% YoY+19.6% QoQ
|
+2.3 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 9.2% in tier |
| Loan To Share |
77.2%
-3.1% YoY-0.2% QoQ
|
+16.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$20,481
-3.7% YoY-2.3% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
35.6%
+11.3% YoY+3.3% QoQ
|
+11.2% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)