South Metro

PRIOR LAKE, MN · 1 · Charter #24482 · www.southmet.com
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
$181.7M
83th percentile
Members
4,931
24th percentile
Total loans
$124.3M
88th percentile
Total shares
$167.4M
88th percentile

Profitability

Return on assets
0.04%
5th percentile
Net interest margin
3.45%
38th percentile
Efficiency ratio
81.74%
5th percentile
Non-interest income ratio
23.85%
79th percentile

Capital & Risk

Net worth ratio
8.24%
5th percentile
Delinquency rate
0.37%
74th percentile
Net charge-off rate
0.79%
16th percentile
Loan-to-share
74.27%
62th percentile

Growth

Member growth YoY
-1.62%
38th percentile
Asset growth YoY
9.02%
85th percentile
Loan growth YoY
9.33%
84th percentile
Share growth YoY
13.11%
93th percentile

Operations

Members / branch
2,466
35th percentile
Assets / member
$36,848
99th percentile
Field of membership penetration
0.32%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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