SOUTH METRO
Charter #24482 · PRIOR LAKE, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,068 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.16% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 0.12% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.21% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.49% sits at the 84th percentile of structural peers — worth a closer look.
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 METRO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $183.42M | 45th pct | 38th pct |
| Members | 6,068 | 7th pct | 8th pct |
| Net worth ratio | 8.16% | 4th pct | 7th pct |
| Return on average assets | 0.12% | 13th pct | 13th pct |
| Net interest margin | 3.66% | 50th pct | 61th pct |
| Cost of funds | 1.21% | 50th pct | 30th pct |
| Loan-to-share | 76.34% | 59th pct | 48th pct |
| Delinquency 60+ days | 0.21% | 14th pct | 16th pct |
| Net charge-off ratio | 0.49% | 63th pct | 84th pct |
| Loan growth YoY | 10.93% | 98th pct | 97th pct |
| Share growth YoY | 8.38% | 93th pct | 87th pct |
| Efficiency ratio | 92.41% | 90th pct | 89th pct |
structural peer set hash: d0ab69de71476f77c464ccc0c48b4449… (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.