First South Financial

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

$828.8M

89^th percentile

Members

71,399

98^th percentile

Total loans

$474.6M

77^th percentile

Total shares

$567.3M

77^th percentile

Profitability

Return on assets

3.45%

100^th percentile

Net interest margin

4.14%

86^th percentile

Efficiency ratio

44.29%

93^th percentile

Non-interest income ratio

35.17%

98^th percentile

Capital & Risk

Net worth ratio

30.60%

100^th percentile

Delinquency rate

0.31%

85^th percentile

Net charge-off rate

1.00%

12^th percentile

Loan-to-share

83.67%

60^th percentile

Growth

Member growth YoY

-0.67%

36^th percentile

Asset growth YoY

7.80%

72^th percentile

Loan growth YoY

-8.73%

3^th percentile

Share growth YoY

7.41%

74^th percentile

Operations

Members / branch

4,760

53^th percentile

Assets / member

$11,608

10^th percentile

Field of membership penetration

5.21%

56^th percentile

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