Carolina Foothills
Spartanburg, SC · Charter 13476 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$224.3MAssets
$159.1MLoans
$188.8MShares
$27.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets (rank 161 of 1681).
- Widest gap: nonperforming loans / loans trails 75% of credit unions under $1B in assets (rank 1266 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.39%
Rank 294 of 1,683
Net Interest Margin
3.60%
Rank 1,036 of 1,683
Efficiency Ratio
71.53%
Rank 520 of 1,682
Equity / Assets
12.03%
Rank 991 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.35% | 0.74% | 1.18% | Beats 83% | 294 / 1,683 | | |
| Return on Equity | 11.59% | 2.67% | 5.89% | 8.74% | Beats 90% | 161 / 1,681 | | |
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,036 / 1,683 | | |
| Efficiency Ratio | 71.53% | 68.91% | 78.20% | 86.93% | Beats 69% | 520 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.30% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,266 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 991 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 991 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.30% | 52.61% | 69.38% | 83.50% | 76th pctl | 396 / 1,683 | | |
| Loans / Assets | 70.95% | 44.71% | 59.18% | 70.72% | 76th pctl | 411 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |