Southern Coastal
Biloxi, MS · Charter 24885 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$14.0MAssets
$9.8MLoans
$11.4MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets (rank 111 of 1683).
- Widest gap: efficiency ratio trails 67% of credit unions under $1B in assets (rank 1130 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.87%
Rank 718 of 1,683
Net Interest Margin
5.21%
Rank 111 of 1,683
Efficiency Ratio
83.84%
Rank 1,130 of 1,682
Equity / Assets
18.21%
Rank 321 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 57% | 718 / 1,683 | | |
| Return on Equity | 4.77% | 2.67% | 5.89% | 8.74% | Beats 42% | 978 / 1,681 | | |
| Net Interest Margin | 5.21% | 3.31% | 3.82% | 4.32% | Beats 93% | 111 / 1,683 | | |
| Efficiency Ratio | 83.84% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,130 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.26% | 0.65% | 1.29% | Beats 49% | 862 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.21% | 10.44% | 12.89% | 16.53% | Beats 81% | 321 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.21% | 10.44% | 12.89% | 16.53% | Beats 81% | 321 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.20% | 52.61% | 69.38% | 83.50% | 80th pctl | 340 / 1,683 | | |
| Loans / Assets | 69.97% | 44.71% | 59.18% | 70.72% | 74th pctl | 444 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |