| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Share growth (YoY) | +0.9% | +4.9% | -4.0 pts |
| Loan growth (YoY) | +1.1% | +5.4% | -4.4 pts |
| ROA | 1.15% | 0.71% | +0.4 pts |
| ROE | 10.8% | 6.3% | +4.5 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.95B | $1.71B | $1.30B | $208.9M | $5.6M | 1.15% | 3.72% | 0.65% | 140,790 |
| Q4 2025 | $1.94B | $1.68B | $1.30B | $203.3M | $26.1M | 1.34% | 3.43% | 1.08% | 140,708 |
| Q3 2025 | $1.88B | $1.66B | $1.30B | $200.8M | $21.5M | 1.53% | 3.57% | 1.13% | 142,913 |
| Q2 2025 | $1.88B | $1.67B | $1.29B | $193.1M | $13.9M | 1.47% | 3.45% | 1.03% | 142,913 |
| Q1 2025 | $1.91B | $1.70B | $1.29B | $185.5M | $6.3M | 1.31% | 3.24% | 0.87% | 143,101 |
| Q4 2024 | $1.85B | $1.66B | $1.30B | $179.3M | $8.9M | 0.48% | 2.75% | 0.90% | 143,424 |
| Q3 2024 | $1.87B | $1.65B | $1.31B | $179.6M | $7.1M | 0.51% | 2.56% | 0.76% | 145,254 |
| Q2 2024 | $1.86B | $1.65B | $1.36B | $177.8M | $5.3M | 0.57% | 2.52% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.71% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 6.3% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 143,820 |
Loan mix (Q1 2026): real estate $569.4M · commercial $4.7M · consumer $716.9M · securities $408.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 73.0% | 7th |
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% |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
21 branches in 7 counties across 1 state (+0 vs 2024). Biggest market: Sumter, SC, ranked 1st with 41.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sumter, SC | 8 | $635.4M* | 41.44% | 1st |
| Richland, SC | 4 | $317.7M* | 1.46% | 12th |
| Lexington, SC | 4 | $317.7M* | 4.17% | 7th |
| 4 more counties with Pro → | ||||
South Carolina: 15th with 1.11% · Columbia metro: 11th, 2.55% · Sumter metro: 1st, 41.44% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 20 · 2023 20 · 2024 21 · 2025 21