| Metric | Southern Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.1% | +1.3% | -11.4 pts |
| Share growth (YoY) | -10.8% | +0.9% | -11.8 pts |
| Loan growth (YoY) | -7.4% | -2.6% | -4.8 pts |
| ROA | -0.69% | 0.65% | -1.3 pts |
| ROE | -5.8% | 4.4% | -10.2 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.1M | $15.9M | $7.3M | $2.1M | $-62K | -0.69% | 3.03% | 3.48% | 1,606 |
| Q1 2026 | $18.2M | $16.0M | $7.3M | $2.2M | $-24K | -0.52% | 3.01% | 1.55% | 1,632 |
| Q4 2025 | $18.7M | $16.4M | $7.5M | $2.2M | $-102K | -0.54% | 2.96% | 2.68% | 1,642 |
| Q3 2025 | $19.1M | $16.7M | $7.6M | $2.2M | $-67K | -0.47% | 2.90% | 2.78% | 1,686 |
| Q2 2025 | $20.1M | $17.8M | $7.9M | $2.2M | $-61K | -0.60% | 2.78% | 2.11% | 1,711 |
| Q1 2025 | $20.8M | $18.4M | $8.3M | $2.3M | $-14K | -0.27% | 2.68% | 2.07% | 1,734 |
| Q4 2024 | $20.7M | $18.3M | $8.4M | $2.3M | $-98K | -0.47% | 2.50% | 1.67% | 1,760 |
| Q3 2024 | $20.3M | $17.9M | $8.9M | $2.3M | $-84K | -0.55% | 2.53% | 0.46% |
| Ratio | Southern Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.69% | 0.65% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -5.8% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,791 |
| Q2 2024 | $21.0M | $18.6M | $8.8M | $2.4M | $-45K | -0.43% | 2.47% | 1.48% | 1,800 |
Loan mix (Q2 2026): real estate $852K · commercial $0 · consumer $6.2M · securities $9.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.8% | 80.6% | 92nd |
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% |
| Ratio | Southern Credit Union | 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% |
| Ratio | Southern Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Southern Credit Union | 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% |
| Ratio | Southern Credit Union | 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% |
| Ratio | Southern Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (-1 vs 2025). Biggest market: Hamilton, TN, ranked 35th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, TN | 1 | $15.9M* | 0.11% | 35th |
Tennessee: 267th with 0.01% · Chattanooga metro: 44th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 1