Community South

Chipley, FL · 2 · Charter #67434 · www.communitysouth.net
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
$233.0M
96th percentile
Members
15,150
90th percentile
Total loans
$182.3M
99th percentile
Total shares
$196.8M
96th percentile

Profitability

Return on assets
1.31%
68th percentile
Net interest margin
3.77%
56th percentile
Efficiency ratio
58.80%
62th percentile
Non-interest income ratio
24.81%
82th percentile

Capital & Risk

Net worth ratio
13.33%
63th percentile
Delinquency rate
0.58%
58th percentile
Net charge-off rate
0.56%
28th percentile
Loan-to-share
92.64%
90th percentile

Growth

Member growth YoY
4.32%
91th percentile
Asset growth YoY
-0.49%
18th percentile
Loan growth YoY
-2.35%
30th percentile
Share growth YoY
6.26%
73th percentile

Operations

Members / branch
3,788
66th percentile
Assets / member
$15,382
58th percentile
Field of membership penetration
2.23%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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