South Central
Jackson, MI · Charter 62143 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$84.6MAssets
$40.2MLoans
$72.0MShares
$12.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 62% of credit unions under $1B in assets (rank 644 of 1683).
- Widest gap: efficiency ratio trails 90% of credit unions under $1B in assets (rank 1517 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.16%
Rank 1,410 of 1,683
Net Interest Margin
3.68%
Rank 961 of 1,683
Efficiency Ratio
95.48%
Rank 1,517 of 1,682
Equity / Assets
14.20%
Rank 644 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.16% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,410 / 1,683 | | |
| Return on Equity | 1.13% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,415 / 1,681 | | |
| Net Interest Margin | 3.68% | 3.31% | 3.82% | 4.32% | Beats 43% | 961 / 1,683 | | |
| Efficiency Ratio | 95.48% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,517 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.26% | 0.65% | 1.29% | Beats 56% | 748 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.20% | 10.44% | 12.89% | 16.53% | Beats 62% | 644 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.20% | 10.44% | 12.89% | 16.53% | Beats 62% | 644 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.78% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,196 / 1,683 | | |
| Loans / Assets | 47.48% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,186 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |