SOUTHLAND
Charter #68415 · LOS ALAMITOS, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.58% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.10% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.96% sits at the 75th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 41st — a 32-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 | SOUTHLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.29B | 19th pct | 49th pct |
| Members | 70,427 | 18th pct | 48th pct |
| Net worth ratio | 8.58% | 7th pct | 15th pct |
| Return on average assets | 0.46% | 26th pct | 44th pct |
| Net interest margin | 3.10% | 36th pct | 23th pct |
| Cost of funds | 1.96% | 59th pct | 75th pct |
| Loan-to-share | 87.00% | 51th pct | 46th pct |
| Delinquency 60+ days | 0.49% | 35th pct | 33th pct |
| Net charge-off ratio | 0.67% | 63th pct | 69th pct |
| Loan growth YoY | 2.64% | 63th pct | 79th pct |
| Share growth YoY | -3.85% | 0th pct | 0th pct |
| Efficiency ratio | 78.69% | 73th pct | 41th pct |
structural peer set hash: ecba306bdecfc98df476004f57a7afa3… (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.