SRP
North Augusta, SC · Charter 24410 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$2.1BAssets
$1.5BLoans
$1.8BShares
$287.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions $1B-$10B in assets (rank 10 of 435).
- Widest gap: nonperforming loans / loans trails 54% of credit unions $1B-$10B in assets (rank 236 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.34%
Rank 65 of 435
Net Interest Margin
4.57%
Rank 10 of 435
Efficiency Ratio
67.92%
Rank 161 of 435
Equity / Assets
13.79%
Rank 60 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.55% | 0.81% | 1.14% | Beats 85% | 65 / 435 | | |
| Return on Equity | 9.70% | 5.12% | 7.41% | 9.70% | Beats 75% | 109 / 435 | | |
| Net Interest Margin | 4.57% | 3.01% | 3.39% | 3.75% | Beats 98% | 10 / 435 | | |
| Efficiency Ratio | 67.92% | 65.25% | 71.39% | 77.86% | Beats 63% | 161 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.45% | 0.69% | 1.05% | Beats 46% | 236 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.79% | 9.81% | 10.84% | 12.63% | Beats 86% | 60 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.79% | 9.81% | 10.84% | 12.63% | Beats 86% | 60 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.92% | 78.33% | 88.38% | 95.61% | 33rd pctl | 293 / 435 | | |
| Loans / Assets | 69.61% | 67.69% | 74.58% | 80.80% | 32nd pctl | 296 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |