Southern Security
Collierville, TN · Charter 5974 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 7 branches
Q2 2026
$251.9MAssets
$182.2MLoans
$226.2MShares
$25.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 40% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 13 of 20).
- Widest gap: equity / assets trails 85% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 17 of 20).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.17%
Rank 15 of 20
Net Interest Margin
3.27%
Rank 17 of 20
Efficiency Ratio
87.75%
Rank 13 of 20
Equity / Assets
10.11%
Rank 17 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.17% | 0.17% | 0.80% | 1.30% | Beats 25% | 15 / 20 | | |
| Return on Equity | 1.70% | 1.70% | 5.99% | 7.93% | Beats 25% | 15 / 20 | | |
| Net Interest Margin | 3.27% | 3.56% | 3.85% | 4.24% | Beats 15% | 17 / 20 | | |
| Efficiency Ratio | 87.75% | 66.59% | 84.75% | 93.62% | Beats 40% | 13 / 20 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.72% | 0.32% | 0.63% | 1.03% | Beats 15% | 18 / 20 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.11% | 13.24% | 17.38% | 21.71% | Beats 15% | 17 / 20 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.11% | 13.24% | 17.38% | 21.71% | Beats 15% | 17 / 20 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.55% | 36.24% | 50.72% | 82.35% | 70th pctl | 6 / 20 | | |
| Loans / Assets | 72.35% | 30.61% | 46.06% | 66.54% | 90th pctl | 2 / 20 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |