SOUTHPOINT FINANCIAL
Charter #68667 · SLEEPY EYE, MN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 34,392 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.98% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 2.04% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.15% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.14% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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 | SOUTHPOINT FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $619.98M | 30th pct | 26th pct |
| Members | 34,392 | 28th pct | 20th pct |
| Net worth ratio | 10.81% | 56th pct | 66th pct |
| Return on average assets | 0.88% | 65th pct | 67th pct |
| Net interest margin | 2.98% | 19th pct | 15th pct |
| Cost of funds | 2.04% | 82th pct | 80th pct |
| Loan-to-share | 84.34% | 57th pct | 49th pct |
| Delinquency 60+ days | 0.15% | 6th pct | 3th pct |
| Net charge-off ratio | 0.14% | 13th pct | 13th pct |
| Loan growth YoY | 1.72% | 57th pct | 49th pct |
| Share growth YoY | 10.33% | 96th pct | 97th pct |
| Efficiency ratio | 76.68% | 42th pct | 34th pct |
structural peer set hash: 1edc24a2a824e4e7f1d2aa2dc52db45c… (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.