SOUTHERN
Charter #66980 · Chattanooga, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,632 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of -0.52% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.98% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.23% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 107.59% sits at the 89th 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.21M | 31th pct | 30th pct |
| Members | 1,632 | 30th pct | 15th pct |
| Net worth ratio | 11.93% | 35th pct | 43th pct |
| Return on average assets | -0.52% | 10th pct | 16th pct |
| Net interest margin | 2.98% | 16th pct | 5th pct |
| Cost of funds | 0.23% | 16th pct | 21th pct |
| Loan-to-share | 45.50% | 29th pct | 44th pct |
| Delinquency 60+ days | 1.55% | 79th pct | 74th pct |
| Net charge-off ratio | 0.75% | 79th pct | 74th pct |
| Loan growth YoY | -4.37% | 34th pct | 43th pct |
| Share growth YoY | -4.32% | 4th pct | 10th pct |
| Efficiency ratio | 107.59% | 93th pct | 89th pct |
structural peer set hash: 66ea8c07d841c1edd1457d399f5260f4… (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.