Family Trust
Rock Hill, SC · Charter 11554 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$805.4MAssets
$639.2MLoans
$675.5MShares
$95.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 75% of credit unions under $1B in assets (rank 422 of 1681).
- Widest gap: equity / assets trails 61% of credit unions under $1B in assets (rank 1020 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.04%
Rank 563 of 1,683
Net Interest Margin
3.65%
Rank 991 of 1,683
Efficiency Ratio
72.81%
Rank 579 of 1,682
Equity / Assets
11.85%
Rank 1,020 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 563 / 1,683 | |
| Return on Equity | 8.74% | 2.67% | 5.89% | 8.74% | Beats 75% | 422 / 1,681 | |
| Net Interest Margin | 3.65% | 3.31% | 3.82% | 4.32% | Beats 41% | 991 / 1,683 | |
| Efficiency Ratio | 72.81% | 68.91% | 78.20% | 86.93% | Beats 66% | 579 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.26% | 0.65% | 1.29% | Beats 47% | 902 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.85% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,020 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.85% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,020 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 94.63% | 52.61% | 69.38% | 83.50% | 93rd pctl | 118 / 1,683 | |
| Loans / Assets | 79.36% | 44.71% | 59.18% | 70.72% | 91st pctl | 153 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |