SOUTHERN
Charter #9214 · Houston, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,655 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 43.75% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.69% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.75% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.25% sits at the 90th 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 | SOUTHERN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.58M | 62th pct | 89th pct |
| Members | 3,655 | 22th pct | 75th pct |
| Net worth ratio | 43.75% | 100th pct | 92th pct |
| Return on average assets | 1.13% | 71th pct | 56th pct |
| Net interest margin | 2.69% | 7th pct | 2th pct |
| Cost of funds | 2.75% | 98th pct | 97th pct |
| Loan-to-share | 71.43% | 71th pct | 54th pct |
| Delinquency 60+ days | 3.25% | 98th pct | 90th pct |
| Net charge-off ratio | 2.74% | 99th pct | 92th pct |
| Loan growth YoY | -8.26% | 5th pct | 18th pct |
| Share growth YoY | -0.59% | 12th pct | 36th pct |
| Efficiency ratio | 62.00% | 13th pct | 30th pct |
structural peer set hash: 7ae9da0ad742b047a076e405d85c89df… (reproducible)
Closest structural peers
This is the free public view
Claim SOUTHERN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.