Southern
Chattanooga, TN · Charter 66980 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$18.1MAssets
$7.3MLoans
$15.9MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 39% of credit unions under $1B in assets (rank 1028 of 1683).
- Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets (rank 1608 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.69%
Rank 1,588 of 1,683
Net Interest Margin
3.03%
Rank 1,436 of 1,683
Efficiency Ratio
109.68%
Rank 1,608 of 1,682
Equity / Assets
11.81%
Rank 1,028 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.69% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,588 / 1,683 | |
| Return on Equity | -5.81% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,596 / 1,681 | |
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,436 / 1,683 | |
| Efficiency Ratio | 109.68% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,608 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.47% | 0.26% | 0.65% | 1.29% | Beats 6% | 1,580 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.81% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,028 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.81% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,028 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 45.95% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,391 / 1,683 | |
| Loans / Assets | 40.45% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,353 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |