MIDSOUTH COMMUNITY
Charter #1410 · Macon, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 43,724 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.15% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.89% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.22% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 18th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MIDSOUTH COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $480.96M | 98th pct | 90th pct |
| Members | 43,724 | 99th pct | 97th pct |
| Net worth ratio | 14.15% | 81th pct | 82th pct |
| Return on average assets | 0.69% | 49th pct | 48th pct |
| Net interest margin | 4.01% | 71th pct | 54th pct |
| Cost of funds | 1.23% | 51th pct | 39th pct |
| Loan-to-share | 78.19% | 63th pct | 44th pct |
| Delinquency 60+ days | 0.89% | 71th pct | 75th pct |
| Net charge-off ratio | 1.22% | 93th pct | 89th pct |
| Loan growth YoY | -0.79% | 38th pct | 18th pct |
| Share growth YoY | 1.56% | 22th pct | 13th pct |
| Efficiency ratio | 74.54% | 36th pct | 46th pct |
structural peer set hash: 79a552cab811d6120727fb4160746c73… (reproducible)
Closest structural peers
This is the free public view
Claim MIDSOUTH COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.