Southernmost

Key West, FL · 1 · Charter #9105 · www.smfcu.net
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
$15.5M
54th percentile
Members
1,231
44th percentile
Total loans
$10.9M
69th percentile
Total shares
$12.3M
53th percentile

Profitability

Return on assets
0.49%
34th percentile
Net interest margin
5.27%
88th percentile
Efficiency ratio
94.18%
9th percentile
Non-interest income ratio
16.45%
74th percentile

Capital & Risk

Net worth ratio
19.43%
72th percentile
Delinquency rate
0.33%
65th percentile
Net charge-off rate
0.12%
59th percentile
Loan-to-share
88.25%
86th percentile

Growth

Member growth YoY
-1.12%
53th percentile
Asset growth YoY
-3.15%
24th percentile
Loan growth YoY
3.08%
73th percentile
Share growth YoY
-4.16%
24th percentile

Operations

Members / branch
1,231
56th percentile
Assets / member
$12,623
75th percentile
Field of membership penetration
30.78%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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