Midsouth Community

Macon, GA · 1 · Charter #1410 · www.midsouthfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

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
$475.6M
54th percentile
Members
43,552
79th percentile
Total loans
$327.8M
56th percentile
Total shares
$408.4M
55th percentile

Profitability

Return on assets
1.89%
93th percentile
Net interest margin
4.02%
82th percentile
Efficiency ratio
56.73%
61th percentile
Non-interest income ratio
26.27%
85th percentile

Capital & Risk

Net worth ratio
14.14%
85th percentile
Delinquency rate
1.22%
19th percentile
Net charge-off rate
0.89%
14th percentile
Loan-to-share
80.25%
49th percentile

Growth

Member growth YoY
1.91%
66th percentile
Asset growth YoY
3.70%
39th percentile
Loan growth YoY
2.43%
41th percentile
Share growth YoY
2.03%
28th percentile

Operations

Members / branch
4,839
54th percentile
Assets / member
$10,920
6th percentile
Field of membership penetration
8.08%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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