SOUTHEASTERN
Charter #68673 · Valdosta, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 24,090 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.17% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.05% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 51st — a 26-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 | SOUTHEASTERN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $436.70M | 94th pct | 80th pct |
| Members | 24,090 | 87th pct | 87th pct |
| Net worth ratio | 10.61% | 37th pct | 49th pct |
| Return on average assets | 1.17% | 78th pct | 77th pct |
| Net interest margin | 3.70% | 53th pct | 69th pct |
| Cost of funds | 1.82% | 81th pct | 56th pct |
| Loan-to-share | 83.82% | 77th pct | 51th pct |
| Delinquency 60+ days | 0.38% | 29th pct | 39th pct |
| Net charge-off ratio | 0.05% | 11th pct | 16th pct |
| Loan growth YoY | 4.18% | 82th pct | 62th pct |
| Share growth YoY | 5.36% | 74th pct | 72th pct |
| Efficiency ratio | 73.67% | 33th pct | 26th pct |
structural peer set hash: 61bb8bd1ddc9da9e8ccc4cd5610e5293… (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.