Southern Energy

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$3.6B

73^th percentile

Members

90,227

37^th percentile

Total loans

$944.4M

21^th percentile

Total shares

$3.2B

75^th percentile

Profitability

Return on assets

0.45%

16^th percentile

Net interest margin

1.17%

1^th percentile

Efficiency ratio

28.48%

97^th percentile

Non-interest income ratio

7.64%

4^th percentile

Capital & Risk

Net worth ratio

14.52%

92^th percentile

Delinquency rate

0.28%

91^th percentile

Net charge-off rate

0.07%

97^th percentile

Loan-to-share

29.70%

1^th percentile

Growth

Member growth YoY

5.84%

83^th percentile

Asset growth YoY

3.27%

28^th percentile

Loan growth YoY

4.67%

47^th percentile

Share growth YoY

-0.07%

11^th percentile

Operations

Members / branch

3,222

4^th percentile

Assets / member

$39,490

98^th percentile

Field of membership penetration

32.84%

89^th percentile

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