Southpoint Financial
Sleepy Eye, MN · Charter 68667 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$608.9MAssets
$465.3MLoans
$536.1MShares
$68.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets (rank 316 of 1682).
- Widest gap: net interest margin trails 86% of credit unions under $1B in assets (rank 1440 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.77%
Rank 810 of 1,683
Net Interest Margin
3.03%
Rank 1,440 of 1,683
Efficiency Ratio
78.33%
Rank 849 of 1,682
Equity / Assets
11.17%
Rank 1,117 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 810 / 1,683 | | |
| Return on Equity | 6.89% | 2.67% | 5.89% | 8.74% | Beats 60% | 674 / 1,681 | | |
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,440 / 1,683 | | |
| Efficiency Ratio | 78.33% | 68.91% | 78.20% | 86.93% | Beats 50% | 849 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.26% | 0.65% | 1.29% | Beats 81% | 316 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.17% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,117 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.17% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,117 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.80% | 52.61% | 69.38% | 83.50% | 81st pctl | 327 / 1,683 | | |
| Loans / Assets | 76.42% | 44.71% | 59.18% | 70.72% | 86th pctl | 237 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |