credit union · NCUA 9105 · FL
How big is SOUTHERNMOST?
SOUTHERNMOST (FL, NCUA charter 9105) reported total assets of $16.1M, 1,230 members and a net worth ratio of 18.77% in its Call Report for 2026Q2. That ranks 3254 of 4,299 federally insured credit unions by assets, 861 of 1,135 among credit unions with $10m-$50m in assets, 100 of 107 credit unions in florida.
What stands out
SOUTHERNMOST (FL, NCUA charter 9105) reported total assets of $16.1M, 1,230 members and a net worth ratio of 18.77% in its Call Report for 2026Q2. That ranks 3254 of 4,299 federally insured credit unions by assets, 861 of 1,135 among credit unions with $10m-$50m in assets, 100 of 107 credit unions in florida. Against its size class: net worth ratio 18.77%, above the peer median of 13.88%; loan-to-share ratio 80.43%, above the peer median of 57.77%; return on assets -0.12%, below the peer median of 0.70%. At 18.77% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $16.1M | $25.2M | $189.2M | $68.3M | record → |
| Shares and deposits | $12.8M | $21.4M | $167.8M | $58.3M | record → |
| Loans outstanding | $10.3M | $11.2M | $130.1M | $34.4M | record → |
| Net income (year to date) | $-9.4k | $82.1k | $776.9k | $222.2k | record → |
| Net worth | $3.0M | $3.4M | $23.7M | $9.0M | record → |
| Net worth ratio | 18.77% | 13.88% | 11.17% | 12.65% | record → |
| Loan-to-share ratio | 80.43% | 57.77% | 74.14% | 68.70% | computed |
| Return on assets | -0.12% | 0.70% | 0.60% | 0.71% | computed |
| Members | 1,230 | 2,092 | 13,919 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $16.1M | $12.8M | $10.3M | $-9.4k | 18.77% | 1,230 | 3254 |
| 2026Q1 | $16.7M | $13.4M | $10.8M | $4.2k | 18.17% | 1,225 | 3250 |
| 2025Q4 | $15.5M | $12.3M | $10.9M | $64.4k | 19.43% | 1,231 | 3308 |
| 2025Q3 | $15.8M | $12.5M | $11.2M | $19.2k | 19.04% | 1,236 | 3319 |
| 2025Q2 | $16.0M | $12.8M | $11.1M | $14.4k | 18.63% | 1,240 | 3338 |
| 2025Q1 | $16.6M | $13.4M | $11.2M | $-31.7k | 18.01% | 1,249 | 3331 |
| 2024Q4 | $16.0M | $12.8M | $10.5M | $73.5k | 18.54% | 1,245 | 3370 |
| 2024Q3 | $16.4M | $13.2M | $10.5M | $60.7k | 18.07% | 1,249 | 3373 |
| 2024Q2 | $16.7M | $13.5M | $10.3M | $69.4k | 17.78% | 1,340 | 3387 |
| 2024Q1 | $17.1M | $13.9M | $10.1M | $42.9k | 17.20% | 1,329 | 3396 |
| 2023Q4 | $17.6M | $14.4M | $9.9M | $148.1k | 16.51% | 1,178 | 3386 |
| 2023Q3 | $18.0M | $14.9M | $9.9M | $107.5k | 15.91% | 1,186 | 3393 |
| 2023Q2 | $17.6M | $14.6M | $9.7M | $60.8k | 15.98% | 1,182 | 3435 |
| 2023Q1 | $19.0M | $16.0M | $9.3M | $23.9k | 14.59% | 1,769 | 3393 |
| 2022Q4 | $19.1M | $16.1M | $9.1M | $26.8k | 14.44% | 1,767 | 3406 |
| 2022Q3 | $19.0M | $16.2M | $8.7M | $-2.4k | 14.03% | 1,630 | 3442 |
| 2022Q2 | $18.7M | $15.9M | $8.2M | $-17.2k | 14.16% | 1,641 | 3460 |
| 2022Q1 | $19.5M | $16.7M | $8.2M | $-17.4k | 13.56% | 1,654 | 3450 |
| 2021Q4 | $19.0M | $16.2M | $7.7M | $-105.5k | 14.02% | 1,672 | 3471 |
| 2021Q3 | $18.5M | $15.6M | $7.3M | $-79.5k | 14.59% | 1,682 | 3508 |
| 2021Q2 | $18.0M | $15.1M | $7.5M | $-55.3k | 15.08% | 1,717 | 3533 |
| 2021Q1 | $17.7M | $14.8M | $7.4M | $-28.7k | 15.48% | 1,717 | 3560 |
| 2020Q4 | $16.9M | $14.0M | $7.3M | $-115.1k | 16.39% | 1,727 | 3568 |
| 2020Q3 | $17.5M | $14.6M | $7.2M | $-92.3k | 15.93% | 1,740 | 3533 |
| 2020Q2 | $17.5M | $14.5M | $7.1M | $-73.3k | 16.09% | 1,756 | 3527 |
| 2020Q1 | $15.9M | $12.9M | $7.4M | $-35.9k | 17.94% | 1,770 | 3555 |
| 2019Q4 | $16.2M | $13.1M | $7.4M | $-53.4k | 17.87% | 1,778 | 3535 |
| 2019Q3 | $15.8M | $12.8M | $7.2M | $-30.3k | 18.37% | 1,793 | 3560 |
| 2019Q2 | $15.6M | $12.5M | $7.4M | $-29.0k | 18.62% | 1,802 | 3594 |
| 2019Q1 | $15.3M | $12.2M | $7.6M | $-8.0k | 19.17% | 1,876 | 3635 |
| 2018Q4 | $15.4M | $12.3M | $7.9M | $56.0k | 19.08% | 1,879 | 3619 |
| 2018Q3 | $15.5M | $12.4M | $8.0M | $30.6k | 18.85% | 1,884 | 3637 |
| 2018Q2 | $15.4M | $12.3M | $8.0M | $15.0k | 18.83% | 1,895 | 3673 |
| 2018Q1 | $15.8M | $12.7M | $8.1M | $-3.5k | 18.24% | 1,907 | 3657 |
| 2017Q4 | $14.6M | $11.5M | $8.3M | $13.7k | 19.81% | 1,917 | 3724 |
| 2017Q3 | $15.5M | $12.5M | $7.8M | $1.8k | 18.49% | 1,933 | 3691 |
| 2017Q2 | $14.9M | $11.9M | $7.8M | $-1.9k | 19.24% | 1,914 | 3763 |
| 2017Q1 | $14.5M | $11.5M | $7.7M | $-6.8k | 19.77% | 1,920 | 3806 |
| 2016Q4 | $14.1M | $11.1M | $8.1M | $37.3k | 20.30% | 1,931 | 3822 |
| 2016Q3 | $14.5M | $11.5M | $8.2M | $22.5k | 19.68% | 1,943 | 3812 |
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