Edisto
Orangeburg, SC · Charter 1397 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$23.4MAssets
$9.6MLoans
$19.3MShares
$4.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of credit unions under $1B in assets (rank 369 of 1683).
- Widest gap: efficiency ratio trails 85% of credit unions under $1B in assets (rank 1432 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.39%
Rank 1,236 of 1,683
Net Interest Margin
4.23%
Rank 485 of 1,683
Efficiency Ratio
91.73%
Rank 1,432 of 1,682
Equity / Assets
17.37%
Rank 369 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,236 / 1,683 | | |
| Return on Equity | 2.22% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,321 / 1,681 | | |
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 71% | 485 / 1,683 | | |
| Efficiency Ratio | 91.73% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,432 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.54% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,342 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.37% | 10.44% | 12.89% | 16.53% | Beats 78% | 369 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.37% | 10.44% | 12.89% | 16.53% | Beats 78% | 369 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.12% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,322 / 1,683 | | |
| Loans / Assets | 41.28% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,331 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |