SOUTH ATLANTIC
Charter #21202 · Boca Raton, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.06% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 4.48% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.27% sits at the 75th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 30th — a 22-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 | SOUTH ATLANTIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.74M | 30th pct | 18th pct |
| Members | 2,129 | 51th pct | 30th pct |
| Net worth ratio | 9.06% | 11th pct | 18th pct |
| Return on average assets | 0.18% | 25th pct | 33th pct |
| Net interest margin | 4.48% | 78th pct | 77th pct |
| Cost of funds | 0.37% | 24th pct | 30th pct |
| Loan-to-share | 54.88% | 46th pct | 56th pct |
| Delinquency 60+ days | 0.83% | 62th pct | 54th pct |
| Net charge-off ratio | 0.68% | 78th pct | 62th pct |
| Loan growth YoY | -2.45% | 50th pct | 54th pct |
| Share growth YoY | 2.60% | 51th pct | 48th pct |
| Efficiency ratio | 94.27% | 81th pct | 75th pct |
structural peer set hash: 27d10fe9fca8fdfcb973c61eb44f5fa8… (reproducible)
Closest structural peers
This is the free public view
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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.