Secured Advantage
Simpsonville, SC · Charter 12877 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$55.7MAssets
$23.5MLoans
$48.3MShares
$6.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 67% of credit unions under $1B in assets (rank 553 of 1683).
- Widest gap: return on equity trails 93% of credit unions under $1B in assets (rank 1561 of 1681).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.29%
Rank 1,550 of 1,683
Net Interest Margin
4.15%
Rank 553 of 1,683
Efficiency Ratio
99.23%
Rank 1,550 of 1,682
Equity / Assets
12.18%
Rank 964 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.29% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,550 / 1,683 | |
| Return on Equity | -2.42% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,561 / 1,681 | |
| Net Interest Margin | 4.15% | 3.31% | 3.82% | 4.32% | Beats 67% | 553 / 1,683 | |
| Efficiency Ratio | 99.23% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,550 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,030 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.18% | 10.44% | 12.89% | 16.53% | Beats 43% | 964 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.18% | 10.44% | 12.89% | 16.53% | Beats 43% | 964 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 48.63% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,345 / 1,683 | |
| Loans / Assets | 42.11% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,320 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |