Southern

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

$76.1M

27^th percentile

Members

3,673

11^th percentile

Total loans

$32.8M

18^th percentile

Total shares

$42.4M

2^th percentile

Profitability

Return on assets

0.42%

13^th percentile

Net interest margin

3.10%

21^th percentile

Efficiency ratio

59.47%

60^th percentile

Non-interest income ratio

7.74%

8^th percentile

Capital & Risk

Net worth ratio

44.29%

100^th percentile

Delinquency rate

3.81%

2^th percentile

Net charge-off rate

0.53%

30^th percentile

Loan-to-share

77.25%

66^th percentile

Growth

Member growth YoY

0.46%

64^th percentile

Asset growth YoY

-0.93%

15^th percentile

Loan growth YoY

-4.98%

18^th percentile

Share growth YoY

-1.96%

13^th percentile

Operations

Members / branch

3,673

63^th percentile

Assets / member

$20,732

86^th percentile

Field of membership penetration

66.78%

95^th percentile

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