SOUTHERN COASTAL
Charter #24885 · BILOXI, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.15% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 56th — a 27-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 | SOUTHERN COASTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.63M | 15th pct | 36th pct |
| Members | 1,607 | 28th pct | 56th pct |
| Net worth ratio | 18.45% | 79th pct | 56th pct |
| Return on average assets | 0.57% | 45th pct | 41th pct |
| Net interest margin | 5.15% | 94th pct | 85th pct |
| Cost of funds | 1.57% | 80th pct | 56th pct |
| Loan-to-share | 87.45% | 92th pct | 74th pct |
| Delinquency 60+ days | 0.47% | 45th pct | 43th pct |
| Net charge-off ratio | 0.28% | 61th pct | 74th pct |
| Loan growth YoY | 4.24% | 91th pct | 90th pct |
| Share growth YoY | -1.02% | 19th pct | 21th pct |
| Efficiency ratio | 84.99% | 62th pct | 66th pct |
structural peer set hash: a8aa50ebde1fbd67f9b757b57e2b9845… (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.