SOUTHERN LAKES
Charter #66707 · KENOSHA, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.63% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 4.41% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.34% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.20% sits at the 90th 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 | SOUTHERN LAKES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $113.17M | 9th pct | 46th pct |
| Members | 9,683 | 31th pct | 48th pct |
| Net worth ratio | 9.63% | 23th pct | 15th pct |
| Return on average assets | 0.95% | 66th pct | 61th pct |
| Net interest margin | 4.41% | 88th pct | 85th pct |
| Cost of funds | 0.34% | 14th pct | 10th pct |
| Loan-to-share | 68.02% | 42th pct | 34th pct |
| Delinquency 60+ days | 0.86% | 69th pct | 67th pct |
| Net charge-off ratio | 0.06% | 13th pct | 5th pct |
| Loan growth YoY | -2.88% | 18th pct | 18th pct |
| Share growth YoY | 5.43% | 75th pct | 59th pct |
| Efficiency ratio | 89.20% | 83th pct | 90th pct |
structural peer set hash: 6d13e836ad7f55cb0d766e5ebb71928b… (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.