The Southern Fayetteville, GA · Charter 68638 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 11 branches
Q2 2026
$560.2M Assets
$209.7M Loans
$499.1M Shares
$65.0M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 79% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 5 of 19). Widest gap: net interest margin trails 84% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 16 of 19). Overall: at or above the peer median on 1 of 7 directional measures. Return on Assets
0.43%
Rank 11 of 19
Net Interest Margin
3.03%
Rank 16 of 19
Efficiency Ratio
88.97%
Rank 13 of 19
Equity / Assets
11.60%
Rank 13 of 19
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.43% -0.11% 0.66% 1.27% Beats 42% 11 / 19 Return on Equity 3.70% -0.53% 4.88% 8.56% Beats 42% 11 / 19 Net Interest Margin 3.03% 3.04% 3.58% 4.03% Beats 16% 16 / 19 Efficiency Ratio 88.97% 67.29% 83.22% 91.36% Beats 37% 13 / 19 Asset Quality Nonperforming Loans / Loans 0.10% 0.10% 0.50% 1.13% Beats 79% 5 / 19 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 11.60% 10.58% 12.87% 17.85% Beats 32% 13 / 19 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 11.60% 10.58% 12.87% 17.85% Beats 32% 13 / 19 Liquidity & Funding Loans / Deposits 42.02% 41.38% 66.89% 77.97% 32nd pctl 13 / 19 Loans / Assets 37.44% 33.12% 56.90% 65.75% 32nd pctl 13 / 19 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11