Southpoint Financial

SLEEPY EYE, MN · 2 · Charter #68667 · www.southpointfinancial.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$609.9M
69th percentile
Members
33,925
62th percentile
Total loans
$451.3M
74th percentile
Total shares
$514.4M
68th percentile

Profitability

Return on assets
0.50%
19th percentile
Net interest margin
2.73%
12th percentile
Efficiency ratio
55.62%
65th percentile
Non-interest income ratio
19.88%
55th percentile

Capital & Risk

Net worth ratio
10.77%
49th percentile
Delinquency rate
0.45%
75th percentile
Net charge-off rate
0.16%
82th percentile
Loan-to-share
87.73%
69th percentile

Growth

Member growth YoY
4.61%
88th percentile
Asset growth YoY
6.59%
63th percentile
Loan growth YoY
8.89%
76th percentile
Share growth YoY
6.69%
69th percentile

Operations

Members / branch
4,241
41th percentile
Assets / member
$17,977
64th percentile
Field of membership penetration
1.93%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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