ONE SOUTH
Charter #8840 · NATCHEZ, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,812 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.39% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 5.41% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.16% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.99% sits at the 87th 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 | ONE SOUTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.25M | 29th pct | 56th pct |
| Members | 2,812 | 71th pct | 87th pct |
| Net worth ratio | 20.55% | 87th pct | 69th pct |
| Return on average assets | 0.39% | 35th pct | 15th pct |
| Net interest margin | 5.41% | 96th pct | 95th pct |
| Cost of funds | 0.16% | 10th pct | 8th pct |
| Loan-to-share | 55.18% | 47th pct | 54th pct |
| Delinquency 60+ days | 2.99% | 93th pct | 87th pct |
| Net charge-off ratio | 2.15% | 95th pct | 95th pct |
| Loan growth YoY | -8.14% | 13th pct | 16th pct |
| Share growth YoY | 2.86% | 54th pct | 61th pct |
| Efficiency ratio | 85.68% | 64th pct | 84th pct |
structural peer set hash: f7f84f33a01403b11743fe3d414dfa40… (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.