SOUTH CENTRAL
Charter #62143 · JACKSON, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.26% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.50% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 100.58% sits at the 95th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 52nd — a 25-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 CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $84.85M | 76th pct | 62th pct |
| Members | 6,814 | 77th pct | 52th pct |
| Net worth ratio | 14.29% | 65th pct | 62th pct |
| Return on average assets | 0.26% | 25th pct | 21th pct |
| Net interest margin | 3.62% | 46th pct | 31th pct |
| Cost of funds | 0.50% | 24th pct | 21th pct |
| Loan-to-share | 55.03% | 40th pct | 48th pct |
| Delinquency 60+ days | 0.61% | 50th pct | 59th pct |
| Net charge-off ratio | 0.30% | 57th pct | 38th pct |
| Loan growth YoY | 2.19% | 81th pct | 84th pct |
| Share growth YoY | 0.21% | 20th pct | 10th pct |
| Efficiency ratio | 100.58% | 94th pct | 95th pct |
structural peer set hash: a275a66e3d6b32098ebf91d332fd7148… (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.