S. C. H. D. Dist #7
Orangeburg, SC · Charter 18423 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$4.9MAssets
$2.3MLoans
$4.0MShares
$872KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of credit unions under $1B in assets (rank 346 of 1683).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets (rank 1662 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.77%
Rank 1,594 of 1,683
Net Interest Margin
4.22%
Rank 491 of 1,683
Efficiency Ratio
84.40%
Rank 1,160 of 1,682
Equity / Assets
17.69%
Rank 346 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.77% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,594 / 1,683 | | |
| Return on Equity | -4.36% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,586 / 1,681 | | |
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 491 / 1,683 | | |
| Efficiency Ratio | 84.40% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,160 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.49% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,662 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.69% | 10.44% | 12.89% | 16.53% | Beats 79% | 346 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.69% | 10.44% | 12.89% | 16.53% | Beats 79% | 346 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.21% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,184 / 1,683 | | |
| Loans / Assets | 45.74% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,237 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |