SOUTHERN PINE
Charter #67403 · Lake Park, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,235 sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.37% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 41st — a 34-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 PINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.83M | 61th pct | 49th pct |
| Members | 1,235 | 14th pct | 20th pct |
| Net worth ratio | 21.66% | 89th pct | 70th pct |
| Return on average assets | 0.77% | 56th pct | 48th pct |
| Net interest margin | 3.59% | 38th pct | 30th pct |
| Cost of funds | 0.37% | 24th pct | 16th pct |
| Loan-to-share | 73.53% | 75th pct | 41th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 69th pct |
| Net charge-off ratio | 0.00% | 23th pct | 25th pct |
| Loan growth YoY | -5.04% | 30th pct | 10th pct |
| Share growth YoY | -1.33% | 16th pct | 11th pct |
| Efficiency ratio | 80.76% | 51th pct | 52th pct |
structural peer set hash: 8fd27f4e8c851250c79b8966d8ae13e8… (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.