Southeastern
Valdosta, GA · Charter 68673 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$440.7MAssets
$333.3MLoans
$388.6MShares
$47.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 86% of credit unions under $1B in assets (rank 233 of 1681).
- Widest gap: equity / assets trails 71% of credit unions under $1B in assets (rank 1192 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.15%
Rank 458 of 1,683
Net Interest Margin
3.64%
Rank 1,001 of 1,683
Efficiency Ratio
72.35%
Rank 555 of 1,682
Equity / Assets
10.81%
Rank 1,192 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 458 / 1,683 | | |
| Return on Equity | 10.60% | 2.67% | 5.89% | 8.74% | Beats 86% | 233 / 1,681 | | |
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 41% | 1,001 / 1,683 | | |
| Efficiency Ratio | 72.35% | 68.91% | 78.20% | 86.93% | Beats 67% | 555 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 592 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.81% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,192 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.81% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,192 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.77% | 52.61% | 69.38% | 83.50% | 79th pctl | 353 / 1,683 | | |
| Loans / Assets | 75.63% | 44.71% | 59.18% | 70.72% | 84th pctl | 265 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |