| Metric | Southern Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.3% | +1.3% | -13.6 pts |
| Share growth (YoY) | -13.2% | +0.7% | -13.8 pts |
| Loan growth (YoY) | -12.6% | -2.4% | -10.3 pts |
| ROA | -0.52% | 0.60% | -1.1 pts |
| ROE | -4.4% | 4.1% | -8.5 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 1,791 |
| Q2 2024 | $21.0M | $18.6M | $8.8M | $2.4M | $-45K | -0.43% | 2.47% | 1.48% |
| Ratio | Southern Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.52% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -4.4% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,800 |
Loan mix (Q1 2026): real estate $624K · commercial $0 · consumer $6.4M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.6% | 81.5% | 89th |
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 |
|---|---|---|---|---|
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.