SOUTHEAST FINANCIAL
Charter #68599 · FRANKLIN, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 35,238 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 7.74% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of 0.07% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 4.45% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.40% sits at the 97th 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 | SOUTHEAST FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $474.09M | 98th pct | 82th pct |
| Members | 35,238 | 97th pct | 84th pct |
| Net worth ratio | 7.74% | 2th pct | 2th pct |
| Return on average assets | 0.07% | 11th pct | 5th pct |
| Net interest margin | 4.45% | 88th pct | 79th pct |
| Cost of funds | 1.39% | 61th pct | 44th pct |
| Loan-to-share | 86.57% | 82th pct | 69th pct |
| Delinquency 60+ days | 0.77% | 63th pct | 56th pct |
| Net charge-off ratio | 0.46% | 61th pct | 43th pct |
| Loan growth YoY | -1.62% | 29th pct | 13th pct |
| Share growth YoY | 4.09% | 59th pct | 59th pct |
| Efficiency ratio | 92.40% | 90th pct | 97th pct |
structural peer set hash: 819011f3403c0cf92be50eecae4facc8… (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.