SUNBELT
Charter #8905 · Hattiesburg, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 35,226 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.78% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.44% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.99% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.19% sits at the 85th 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 | SUNBELT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $370.11M | 85th pct | 82th pct |
| Members | 35,226 | 97th pct | 90th pct |
| Net worth ratio | 15.78% | 88th pct | 80th pct |
| Return on average assets | 0.71% | 50th pct | 31th pct |
| Net interest margin | 4.44% | 88th pct | 77th pct |
| Cost of funds | 1.99% | 88th pct | 89th pct |
| Loan-to-share | 74.64% | 55th pct | 43th pct |
| Delinquency 60+ days | 0.49% | 41th pct | 33th pct |
| Net charge-off ratio | 1.19% | 92th pct | 85th pct |
| Loan growth YoY | 7.50% | 95th pct | 92th pct |
| Share growth YoY | 10.93% | 98th pct | 93th pct |
| Efficiency ratio | 79.37% | 52th pct | 75th pct |
structural peer set hash: e1a948eea28d3b026ba8e0d840be379d… (reproducible)
Closest structural peers
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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.