PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Southern

Fayetteville, GA · Charter 68638

NCUA · 11 branches

Q2 2026

$560.2MAssets
$209.7MLoans
$499.1MShares
$65.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.43%, down 6 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.10% of loans (+3 bps YoY).
  • Capital: net worth / assets of 11.60%, up 19 bps from a year ago.
  • Funding: loans stand at 42.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.43%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+12 bps YoY

Efficiency Ratio (YTD, annualized)

88.97%+319 bps YoY

Net Worth / Assets

11.60%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.53%0.48%0.36%0.43%-6 bps
Return on Equity4.32%4.58%4.16%3.12%3.70%-61 bps
Net Interest Margin2.91%2.93%2.93%2.94%3.03%+12 bps
Efficiency Ratio85.78%86.00%86.29%88.05%88.97%+319 bps
Growth
Asset Growth (YoY)2.28%2.82%3.98%2.27%2.17%-12 bps
Loan Growth (YoY)-1.72%-2.08%-1.13%-2.68%-3.33%-161 bps
Share Growth (YoY)0.82%1.84%2.26%1.54%1.92%+110 bps
Asset Quality
Delinquent Loans / Loans0.08%0.10%0.20%0.10%0.10%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.41%11.52%11.48%11.39%11.60%+19 bps
Net Worth / Assets11.41%11.52%11.48%11.39%11.60%+19 bps
Liquidity & Funding
Loans / Shares44.30%43.88%43.69%41.72%42.02%-228 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps