South Central

JACKSON, MI · 2 · Charter #62143 · www.southcentralcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$84.8M
34th percentile
Members
6,802
43th percentile
Total loans
$40.3M
28th percentile
Total shares
$72.9M
35th percentile

Profitability

Return on assets
0.30%
10th percentile
Net interest margin
3.78%
57th percentile
Efficiency ratio
84.37%
4th percentile
Non-interest income ratio
20.29%
65th percentile

Capital & Risk

Net worth ratio
14.25%
72th percentile
Delinquency rate
0.40%
73th percentile
Net charge-off rate
0.63%
23th percentile
Loan-to-share
55.25%
28th percentile

Growth

Member growth YoY
-4.39%
14th percentile
Asset growth YoY
1.54%
30th percentile
Loan growth YoY
6.09%
75th percentile
Share growth YoY
2.00%
38th percentile

Operations

Members / branch
3,401
57th percentile
Assets / member
$12,473
33th percentile
Field of membership penetration
0.47%
5th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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