Southern Security

Collierville, TN · 1 · Charter #5974 · www.southernsecurity.org
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
$244.9M
99th percentile
Members
18,803
97th percentile
Total loans
$178.5M
99th percentile
Total shares
$219.2M
99th percentile

Profitability

Return on assets
1.11%
56th percentile
Net interest margin
3.30%
31th percentile
Efficiency ratio
65.73%
40th percentile
Non-interest income ratio
31.26%
94th percentile

Capital & Risk

Net worth ratio
10.30%
26th percentile
Delinquency rate
1.48%
18th percentile
Net charge-off rate
0.52%
31th percentile
Loan-to-share
81.46%
74th percentile

Growth

Member growth YoY
-4.00%
17th percentile
Asset growth YoY
4.27%
53th percentile
Loan growth YoY
14.07%
93th percentile
Share growth YoY
3.13%
47th percentile

Operations

Members / branch
2,686
40th percentile
Assets / member
$13,027
38th percentile
Field of membership penetration
1.60%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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