Southern

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

$18.7M

60^th percentile

Members

1,642

56^th percentile

Total loans

$7.5M

57^th percentile

Total shares

$16.4M

62^th percentile

Profitability

Return on assets

-0.33%

10^th percentile

Net interest margin

2.96%

18^th percentile

Efficiency ratio

78.51%

26^th percentile

Non-interest income ratio

8.88%

48^th percentile

Capital & Risk

Net worth ratio

11.75%

28^th percentile

Delinquency rate

2.68%

17^th percentile

Net charge-off rate

0.26%

47^th percentile

Loan-to-share

45.83%

29^th percentile

Growth

Member growth YoY

-6.70%

11^th percentile

Asset growth YoY

-9.73%

5^th percentile

Loan growth YoY

-10.77%

22^th percentile

Share growth YoY

-10.39%

7^th percentile

Operations

Members / branch

1,642

69^th percentile

Assets / member

$11,378

67^th percentile

Field of membership penetration

82.10%

92^th percentile

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