The Southern

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$555.2M

64^th percentile

Members

30,153

54^th percentile

Total loans

$215.2M

26^th percentile

Total shares

$492.7M

66^th percentile

Profitability

Return on assets

0.54%

22^th percentile

Net interest margin

2.93%

21^th percentile

Efficiency ratio

72.59%

7^th percentile

Non-interest income ratio

21.35%

64^th percentile

Capital & Risk

Net worth ratio

11.48%

59^th percentile

Delinquency rate

0.20%

93^th percentile

Net charge-off rate

0.15%

84^th percentile

Loan-to-share

43.69%

2^th percentile

Growth

Member growth YoY

-3.28%

16^th percentile

Asset growth YoY

3.98%

41^th percentile

Loan growth YoY

-1.13%

20^th percentile

Share growth YoY

2.26%

29^th percentile

Operations

Members / branch

2,741

12^th percentile

Assets / member

$18,413

67^th percentile

Field of membership penetration

2.33%

32^th percentile

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