Palmetto Citizens Federal Credit Union
Total assets
$1.48B
▲ +6.2% YoY
Shares & deposits
$1.18B
▲ +6.5% YoY
Loans
$821.8M
▲ +7.0% YoY
Members
86,899
▲ +2.5% YoY
ROA (annualized)
1.33%
peers 0.71%
ROE (annualized)
10.07%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.1% | +1.1 pts |
| Share growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Loan growth (YoY) | +7.0% | +5.4% | +1.6 pts |
| ROA | 1.33% | 0.71% | +0.6 pts |
| ROE | 10.1% | 6.3% | +3.8 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 5846, Columbia, SC, 29250
- NCUA charter #
- 1472
- RSSD ID
- 510778
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.48B | $1.18B | $821.8M | $195.6M | $4.9M | 1.33% | 3.75% | 1.04% | 86,899 |
| Q4 2025 | $1.44B | $1.15B | $818.1M | $192.9M | $21.0M | 1.45% | 3.81% | 1.07% | 86,171 |
| Q3 2025 | $1.42B | $1.13B | $815.2M | $187.1M | $15.1M | 1.42% | 3.76% | 0.96% | 85,933 |
| Q2 2025 | $1.41B | $1.12B | $796.5M | $180.9M | $9.0M | 1.28% | 3.66% | 0.81% | 85,184 |
| Q1 2025 | $1.39B | $1.11B | $767.9M | $174.8M | $2.8M | 0.81% | 3.40% | 0.75% | 84,765 |
| Q4 2024 | $1.35B | $1.08B | $769.8M | $174.2M | $15.0M | 1.11% | 3.21% | 0.73% | 84,437 |
| Q3 2024 | $1.32B | $1.06B | $762.5M | $170.8M | $11.6M | 1.17% | 3.23% | 0.66% | 84,233 |
| Q2 2024 | $1.30B | $1.04B | $761.4M | $166.4M | $7.1M | 1.09% | 3.17% | 0.65% | 83,937 |
Loan mix (Q1 2026): real estate $451.1M · commercial $33.4M · consumer $331.3M · securities $379.2M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.71% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 6.3% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.32% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 73.0% | 30th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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