One South Federal Credit Union
Total assets
$17.2M
▼ -4.1% YoY
Shares & deposits
$14.4M
▼ -5.4% YoY
Loans
$7.9M
▼ -10.2% YoY
Members
2,812
▲ +3.9% YoY
ROA (annualized)
0.38%
peers 0.60%
ROE (annualized)
1.86%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.0 pts |
| Loan growth (YoY) | -10.2% | -2.4% | -7.8 pts |
| ROA | 0.38% | 0.60% | -0.2 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 148 N Shields Ln, Natchez, MS, 39120
- NCUA charter #
- 8840
- RSSD ID
- 391584
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.2M | $14.4M | $7.9M | $3.5M | $17K | 0.38% | 5.33% | 2.99% | 2,812 |
| Q4 2025 | $16.8M | $13.9M | $8.5M | $3.5M | $268K | 1.60% | 5.85% | 4.11% | 2,832 |
| Q3 2025 | $16.8M | $14.0M | $8.6M | $3.5M | $244K | 1.93% | 5.87% | 3.65% | 2,860 |
| Q2 2025 | $17.5M | $14.7M | $8.8M | $3.5M | $173K | 1.98% | 5.68% | 2.96% | 2,826 |
| Q1 2025 | $18.0M | $15.2M | $8.8M | $3.4M | $81K | 1.80% | 5.47% | 3.75% | 2,706 |
| Q4 2024 | $17.9M | $15.2M | $8.8M | $3.3M | $344K | 1.92% | 5.61% | 2.79% | 2,711 |
| Q3 2024 | $18.9M | $16.3M | $9.0M | $3.2M | $247K | 1.74% | 5.27% | 2.07% | 2,738 |
| Q2 2024 | $17.7M | $15.3M | $8.9M | $3.1M | $133K | 1.50% | 5.48% | 2.91% | 2,763 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.7M · securities $4.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.83% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 81.5% | 60th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- 1St Mississippi Federal Credit UnionMeridian, MS · $81.9M
- Ferguson Federal Credit UnionMonticello, MS · $96.2M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
- Cove Federal Credit UnionEdgewood, KY · $78.8M
- Bay Cities Credit UnionHayward, CA · $78.8M
- Castparts Employees Federal Credit UnionPortland, OR · $78.9M
Selling to One South Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.