Southern Coastal

BILOXI, MS · 1 · Charter #24885 · www.socofcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$13.8M
51th percentile
Members
1,605
55th percentile
Total loans
$9.6M
64th percentile
Total shares
$11.2M
51th percentile

Profitability

Return on assets
0.87%
53th percentile
Net interest margin
5.14%
86th percentile
Efficiency ratio
74.99%
33th percentile
Non-interest income ratio
22.00%
86th percentile

Capital & Risk

Net worth ratio
18.09%
66th percentile
Delinquency rate
0.48%
58th percentile
Net charge-off rate
0.27%
46th percentile
Loan-to-share
85.29%
83th percentile

Growth

Member growth YoY
2.95%
89th percentile
Asset growth YoY
5.61%
77th percentile
Loan growth YoY
6.10%
82th percentile
Share growth YoY
6.17%
81th percentile

Operations

Members / branch
1,605
68th percentile
Assets / member
$8,595
44th percentile
Field of membership penetration
64.20%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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