Southern Lakes

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

$109.1M

52^th percentile

Members

9,519

66^th percentile

Total loans

$70.9M

59^th percentile

Total shares

$97.8M

54^th percentile

Profitability

Return on assets

1.07%

52^th percentile

Net interest margin

4.45%

87^th percentile

Efficiency ratio

74.21%

15^th percentile

Non-interest income ratio

12.01%

25^th percentile

Capital & Risk

Net worth ratio

9.75%

20^th percentile

Delinquency rate

0.91%

39^th percentile

Net charge-off rate

0.58%

26^th percentile

Loan-to-share

72.54%

58^th percentile

Growth

Member growth YoY

-3.87%

18^th percentile

Asset growth YoY

4.02%

50^th percentile

Loan growth YoY

0.73%

47^th percentile

Share growth YoY

3.72%

54^th percentile

Operations

Members / branch

3,173

51^th percentile

Assets / member

$11,465

24^th percentile

Field of membership penetration

0.32%

2^th percentile

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