SOUTHERN SECURITY
Charter #5974 · Collierville, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 18,650 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.42% sits at the 84th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 30th — a 29-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 SECURITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $249.13M | 63th pct | 62th pct |
| Members | 18,650 | 73th pct | 85th pct |
| Net worth ratio | 10.25% | 31th pct | 51th pct |
| Return on average assets | 0.48% | 34th pct | 57th pct |
| Net interest margin | 3.27% | 27th pct | 34th pct |
| Cost of funds | 1.23% | 51th pct | 30th pct |
| Loan-to-share | 80.84% | 70th pct | 48th pct |
| Delinquency 60+ days | 1.42% | 88th pct | 84th pct |
| Net charge-off ratio | 0.44% | 57th pct | 72th pct |
| Loan growth YoY | 0.22% | 50th pct | 43th pct |
| Share growth YoY | 0.83% | 15th pct | 26th pct |
| Efficiency ratio | 80.98% | 59th pct | 30th pct |
structural peer set hash: 018472f83358ba423012064519414789… (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.