1) first thing i noticed is the size of the crouch area. it's a little oversized. i'm not sure if you are following a direct image or just building a general anotomically correct female figure. but from my view, it looks a little too big for a crouch are, it starts too high.
2) the shape of the legs needs more tweaking. as they appear to not have enough volume looking at the side view, and they are modeled too close to eachother. in a "natural pose" i think it should be modeled with at least 3-4 in appart.
3) the belly seems too high, this might be again because of where the crouch starts to take shape.
4) from that side view, the butt looks to be not in a correct position.
again, i'm not sure what kind of reference you are following, if you are modeling this character "pixe by pixel" from your ref, please say so. otherwise i've attached an image to give you an idea of what i am saying.




following images taken from 3d.sk free samples
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