One South

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$16.8M

57^th percentile

Members

2,832

82^th percentile

Total loans

$8.5M

60^th percentile

Total shares

$13.9M

57^th percentile

Profitability

Return on assets

1.68%

84^th percentile

Net interest margin

5.85%

94^th percentile

Efficiency ratio

77.18%

29^th percentile

Non-interest income ratio

24.79%

90^th percentile

Capital & Risk

Net worth ratio

21.02%

77^th percentile

Delinquency rate

4.11%

10^th percentile

Net charge-off rate

0.35%

41^th percentile

Loan-to-share

61.20%

51^th percentile

Growth

Member growth YoY

4.46%

93^th percentile

Asset growth YoY

-6.30%

12^th percentile

Loan growth YoY

-2.69%

51^th percentile

Share growth YoY

-8.40%

11^th percentile

Operations

Members / branch

2,832

90^th percentile

Assets / member

$5,926

22^th percentile

Field of membership penetration

56.64%

73^th percentile

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