Founders
Lancaster, SC · Charter 24063 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 46 branches
Q2 2026
$5.2BAssets
$4.2BLoans
$4.4BShares
$708.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions $1B-$10B in assets (rank 21 of 435).
- Widest gap: nonperforming loans / loans trails 49% of credit unions $1B-$10B in assets (rank 216 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.43%
Rank 46 of 435
Net Interest Margin
4.35%
Rank 21 of 435
Efficiency Ratio
60.03%
Rank 57 of 435
Equity / Assets
13.62%
Rank 66 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.55% | 0.81% | 1.14% | Beats 89% | 46 / 435 | |
| Return on Equity | 10.47% | 5.12% | 7.41% | 9.70% | Beats 81% | 82 / 435 | |
| Net Interest Margin | 4.35% | 3.01% | 3.39% | 3.75% | Beats 95% | 21 / 435 | |
| Efficiency Ratio | 60.03% | 65.25% | 71.39% | 77.86% | Beats 87% | 57 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.45% | 0.69% | 1.05% | Beats 51% | 216 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.62% | 9.81% | 10.84% | 12.63% | Beats 85% | 66 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.62% | 9.81% | 10.84% | 12.63% | Beats 85% | 66 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 94.23% | 78.33% | 88.38% | 95.61% | 71st pctl | 124 / 435 | |
| Loans / Assets | 80.02% | 67.69% | 74.58% | 80.80% | 70th pctl | 130 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |