Spc Credit Union
Total assets
$266.2M
▲ +6.5% YoY
Shares & deposits
$235.8M
▲ +5.8% YoY
Loans
$153.4M
▼ -2.0% YoY
Members
25,924
▲ +2.6% YoY
ROA (annualized)
0.84%
peers 0.69%
ROE (annualized)
7.43%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Spc Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.9% | +2.6 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | -2.0% | +2.9% | -5.0 pts |
| ROA | 0.84% | 0.69% | +0.1 pts |
| ROE | 7.4% | 5.9% | +1.5 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- P.O. Box 1355, Hartsville, SC, 29551
- NCUA charter #
- 60686
- RSSD ID
- 497990
- 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 | $266.2M | $235.8M | $153.4M | $30.0M | $558K | 0.84% | 3.70% | 1.08% | 25,924 |
| Q4 2025 | $253.9M | $224.9M | $158.1M | $29.5M | $2.3M | 0.90% | 4.03% | 1.32% | 25,722 |
| Q3 2025 | $250.9M | $222.7M | $157.9M | $28.9M | $1.4M | 0.74% | 4.09% | 1.45% | 25,911 |
| Q2 2025 | $247.1M | $222.0M | $154.7M | $28.3M | $794K | 0.64% | 4.11% | 1.40% | 25,452 |
| Q1 2025 | $250.0M | $222.8M | $156.6M | $27.9M | $413K | 0.66% | 4.00% | 1.24% | 25,276 |
| Q4 2024 | $240.4M | $211.1M | $162.1M | $27.5M | $4.2M | 1.74% | 4.08% | 1.54% | 25,078 |
| Q3 2024 | $239.3M | $208.7M | $166.5M | $26.2M | $2.6M | 1.47% | 4.06% | 1.19% | 25,070 |
| Q2 2024 | $241.8M | $207.5M | $170.4M | $24.8M | $1.2M | 1.02% | 3.96% | 1.38% | 24,874 |
Loan mix (Q1 2026): real estate $43.4M · commercial $30.5M · consumer $71.5M · securities $21.1M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Spc Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% | 56th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 78.7% | 47th | |
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 | Spc Credit Union | 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 | Spc Credit Union | 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 | Spc Credit Union | 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 | Spc Credit Union | 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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