Southern Pine
Lake Park, GA · Charter 67403 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$27.6MAssets
$16.1MLoans
$20.9MShares
$6.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of credit unions under $1B in assets (rank 119 of 1683).
- Widest gap: return on equity trails 65% of credit unions under $1B in assets (rank 1095 of 1681).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.94%
Rank 638 of 1,683
Net Interest Margin
4.11%
Rank 587 of 1,683
Efficiency Ratio
79.14%
Rank 889 of 1,682
Equity / Assets
23.71%
Rank 119 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.35% | 0.74% | 1.18% | Beats 62% | 638 / 1,683 | | |
| Return on Equity | 3.98% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,095 / 1,681 | | |
| Net Interest Margin | 4.11% | 3.31% | 3.82% | 4.32% | Beats 65% | 587 / 1,683 | | |
| Efficiency Ratio | 79.14% | 68.91% | 78.20% | 86.93% | Beats 47% | 889 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.26% | 0.65% | 1.29% | Beats 43% | 955 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.71% | 10.44% | 12.89% | 16.53% | Beats 93% | 119 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.71% | 10.44% | 12.89% | 16.53% | Beats 93% | 119 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.04% | 52.61% | 69.38% | 83.50% | 64th pctl | 603 / 1,683 | | |
| Loans / Assets | 58.55% | 44.71% | 59.18% | 70.72% | 49th pctl | 864 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |