SINGING RIVER
Charter #8694 · MOSS POINT, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 32,756 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.56% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.69% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.17% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 43rd — a 22-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 | SINGING RIVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $402.46M | 89th pct | 74th pct |
| Members | 32,756 | 96th pct | 75th pct |
| Net worth ratio | 11.35% | 48th pct | 57th pct |
| Return on average assets | 1.56% | 90th pct | 89th pct |
| Net interest margin | 4.69% | 93th pct | 80th pct |
| Cost of funds | 1.84% | 82th pct | 74th pct |
| Loan-to-share | 91.91% | 92th pct | 87th pct |
| Delinquency 60+ days | 0.58% | 48th pct | 49th pct |
| Net charge-off ratio | 0.78% | 83th pct | 74th pct |
| Loan growth YoY | 1.43% | 61th pct | 39th pct |
| Share growth YoY | 4.48% | 64th pct | 43th pct |
| Efficiency ratio | 66.17% | 17th pct | 16th pct |
structural peer set hash: 113b0c92af0aa0af0b0c1d2fb82e75e0… (reproducible)
Closest structural peers
This is the free public view
Claim SINGING RIVER
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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.