Caro
Columbia, SC · Charter 24404 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$174.9MAssets
$109.9MLoans
$149.7MShares
$27.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 72% of credit unions under $1B in assets (rank 475 of 1683).
- Widest gap: efficiency ratio trails 87% of credit unions under $1B in assets (rank 1472 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.32%
Rank 1,296 of 1,683
Net Interest Margin
4.24%
Rank 475 of 1,683
Efficiency Ratio
93.45%
Rank 1,472 of 1,682
Equity / Assets
15.41%
Rank 511 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,296 / 1,683 | |
| Return on Equity | 2.06% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,339 / 1,681 | |
| Net Interest Margin | 4.24% | 3.31% | 3.82% | 4.32% | Beats 72% | 475 / 1,683 | |
| Efficiency Ratio | 93.45% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,472 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,026 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 511 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 511 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 73.40% | 52.61% | 69.38% | 83.50% | 58th pctl | 713 / 1,683 | |
| Loans / Assets | 62.81% | 44.71% | 59.18% | 70.72% | 58th pctl | 705 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |