Palmetto Citizens
Columbia, SC · Charter 1472 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
$1.5BAssets
$829.8MLoans
$1.2BShares
$201.8MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 91% of credit unions $1B-$10B in assets (rank 38 of 435).
- Widest gap: nonperforming loans / loans trails 79% of credit unions $1B-$10B in assets (rank 343 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.49%
Rank 38 of 435
Net Interest Margin
3.81%
Rank 87 of 435
Efficiency Ratio
66.48%
Rank 126 of 435
Equity / Assets
13.48%
Rank 70 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.49% | 0.55% | 0.81% | 1.14% | Beats 91% | 38 / 435 | | |
| Return on Equity | 11.02% | 5.12% | 7.41% | 9.70% | Beats 85% | 65 / 435 | | |
| Net Interest Margin | 3.81% | 3.01% | 3.39% | 3.75% | Beats 80% | 87 / 435 | | |
| Efficiency Ratio | 66.48% | 65.25% | 71.39% | 77.86% | Beats 71% | 126 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.45% | 0.69% | 1.05% | Beats 21% | 343 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.48% | 9.81% | 10.84% | 12.63% | Beats 84% | 70 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.48% | 9.81% | 10.84% | 12.63% | Beats 84% | 70 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.31% | 78.33% | 88.38% | 95.61% | 13th pctl | 379 / 435 | | |
| Loans / Assets | 55.44% | 67.69% | 74.58% | 80.80% | 10th pctl | 390 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |