Upstate
Anderson, SC · Charter 24484 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$148.5MAssets
$98.0MLoans
$133.8MShares
$14.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets (rank 174 of 1683).
- Widest gap: efficiency ratio trails 91% of credit unions under $1B in assets (rank 1538 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.08%
Rank 1,453 of 1,683
Net Interest Margin
4.88%
Rank 174 of 1,683
Efficiency Ratio
97.69%
Rank 1,538 of 1,682
Equity / Assets
9.43%
Rank 1,438 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.08% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,453 / 1,683 | |
| Return on Equity | 0.86% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,435 / 1,681 | |
| Net Interest Margin | 4.88% | 3.31% | 3.82% | 4.32% | Beats 90% | 174 / 1,683 | |
| Efficiency Ratio | 97.69% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,538 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 75% | 416 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.43% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,438 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.43% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,438 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 73.27% | 52.61% | 69.38% | 83.50% | 57th pctl | 717 / 1,683 | |
| Loans / Assets | 66.01% | 44.71% | 59.18% | 70.72% | 64th pctl | 601 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |