SOUTHERNMOST
Charter #9105 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in FL
SOUTHERNMOST has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.93% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 15.85% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,236
-1.0% YoY-0.3% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
34th in tier |
| Assets |
$15.8M
-3.6% YoY-1.6% QoQ
|
$-14.1M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
42nd in tier |
| Loans |
$11.2M
+6.7% YoY+0.1% QoQ
|
$-4.6M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
54th in tier |
| Deposits |
$12.5M
-4.9% YoY-2.0% QoQ
|
$-12.9M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
42nd in tier |
| ROA |
0.2%
-67.0% YoY-8.6% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 22.4% in tier |
| NIM |
4.9%
+2.4% YoY-1.9% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Top 17.2% in tier |
| Efficiency Ratio |
97.2%
+7.9% YoY+1.6% QoQ
|
+15.9% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Top 13.4% in tier |
| Delinquency Rate |
0.3%
+60.2% YoY-23.3% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
33rd in tier |
| Loan To Share |
88.9%
+12.2% YoY+2.1% QoQ
|
+27.6% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Top 12.2% in tier |
| AMR |
$19,178
+1.3% YoY-0.7% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 24.0% in tier |
| CD Concentration |
0.5%
-86.0% YoY-83.5% QoQ
|
-23.9% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
313
Loan-to-Share Ratio
balance_sheet
Value:
88.88%
Peer Avg: 61.23%
#313 of 2596
Top 12.0% in <100M tier
313
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,024
Peer Avg: $5,488
#313 of 2596
Top 12.0% in <100M tier
438
Loan Growth Rate
growth
Value:
6.72%
Peer Avg: 59.01%
#438 of 2596
Top 16.8% in <100M tier
447
Net Interest Margin (NIM)
profitability
Value:
4.86%
Peer Avg: 3.93%
#447 of 2596
Top 17.2% in <100M tier
543
Fee Income Per Member
profitability
Value:
$127.55
Peer Avg: $182.96
#543 of 2596
Top 20.9% in <100M tier
620
Share Certificate Concentration (%)
balance_sheet
Value:
0.48%
Peer Avg: 15.37%
#620 of 2596
Top 23.8% in <100M tier
623
Average Member Relationship (AMR)
engagement
Value:
$19,178
Peer Avg: $14,627
#623 of 2596
Top 24.0% in <100M tier
649
Net Worth Ratio
risk
Value:
19.04%
Peer Avg: 16.43%
#649 of 2596
Top 25.0% in <100M tier
Top Weaknesses (4 metrics)
2248
Efficiency Ratio
profitability
Value:
97.24%
Peer Avg: 81.39%
#2248 of 2596
Bottom 13.4% in <100M tier
2138
Deposit Growth Rate
growth
Value:
-4.92%
Peer Avg: 16.80%
#2138 of 2596
Bottom 17.7% in <100M tier
2103
Asset Growth Rate
growth
Value:
-3.63%
Peer Avg: 1.82%
#2103 of 2596
Bottom 19.0% in <100M tier
2014
Return on Assets (ROA)
profitability
Value:
0.16%
Peer Avg: 0.68%
#2014 of 2596
Bottom 22.5% in <100M tier