SOUTHERNMOST
Charter #9105 · Key West, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.10% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.96% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.07% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 8th 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 | SOUTHERNMOST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.66M | 26th pct | 57th pct |
| Members | 1,225 | 13th pct | 30th pct |
| Net worth ratio | 18.17% | 78th pct | 72th pct |
| Return on average assets | 0.10% | 22th pct | 25th pct |
| Net interest margin | 4.96% | 90th pct | 84th pct |
| Cost of funds | 0.07% | 5th pct | 2th pct |
| Loan-to-share | 80.54% | 85th pct | 69th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.08% | 11th pct | 8th pct |
| Loan growth YoY | -3.21% | 44th pct | 34th pct |
| Share growth YoY | 6.81% | 85th pct | 77th pct |
| Efficiency ratio | 96.71% | 85th pct | 85th pct |
structural peer set hash: 67df67e88aa939b8746f2a53e9c176f1… (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.