SOUTHERN GAS
Charter #23327 · LITTLE ROCK, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 515 sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 6.01% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.52% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.05% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.51% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | SOUTHERN GAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.53M | 66th pct | 30th pct |
| Members | 515 | 44th pct | 16th pct |
| Net worth ratio | 26.76% | 79th pct | 72th pct |
| Return on average assets | 0.28% | 45th pct | 31th pct |
| Net interest margin | 6.01% | 90th pct | 84th pct |
| Cost of funds | 0.52% | 52th pct | 20th pct |
| Loan-to-share | 101.11% | 94th pct | 80th pct |
| Delinquency 60+ days | 0.05% | 29th pct | 25th pct |
| Net charge-off ratio | -0.51% | 6th pct | 5th pct |
| Loan growth YoY | 5.11% | 88th pct | 84th pct |
| Share growth YoY | 6.58% | 87th pct | 80th pct |
| Efficiency ratio | 101.32% | 74th pct | 89th pct |
structural peer set hash: 208e2e47f5633d129048e4c6a09a9103… (reproducible)
Closest structural peers
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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.