Southern Gas

LITTLE ROCK, AR · 1 · Charter #23327 · www.SouthernGasFCU.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$5.2M
25th percentile
Members
510
18th percentile
Total loans
$4.1M
38th percentile
Total shares
$3.7M
24th percentile

Profitability

Return on assets
0.21%
23th percentile
Net interest margin
6.16%
96th percentile
Efficiency ratio
94.31%
9th percentile
Non-interest income ratio
6.72%
40th percentile

Capital & Risk

Net worth ratio
28.57%
91th percentile
Delinquency rate
0.57%
55th percentile
Net charge-off rate
-0.19%
97th percentile
Loan-to-share
110.82%
97th percentile

Growth

Member growth YoY
-0.20%
64th percentile
Asset growth YoY
-2.76%
26th percentile
Loan growth YoY
6.86%
84th percentile
Share growth YoY
-4.18%
24th percentile

Operations

Members / branch
510
23th percentile
Assets / member
$10,122
56th percentile
Field of membership penetration
25.50%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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