Palmetto First
Florence, SC · Charter 24491 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$64.1MAssets
$42.8MLoans
$50.5MShares
$13.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets (rank 84 of 1683).
- Widest gap: nonperforming loans / loans trails 85% of credit unions under $1B in assets (rank 1429 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.66%
Rank 175 of 1,683
Net Interest Margin
5.43%
Rank 84 of 1,683
Efficiency Ratio
62.68%
Rank 237 of 1,682
Equity / Assets
21.01%
Rank 184 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.35% | 0.74% | 1.18% | Beats 90% | 175 / 1,683 | |
| Return on Equity | 7.91% | 2.67% | 5.89% | 8.74% | Beats 69% | 523 / 1,681 | |
| Net Interest Margin | 5.43% | 3.31% | 3.82% | 4.32% | Beats 95% | 84 / 1,683 | |
| Efficiency Ratio | 62.68% | 68.91% | 78.20% | 86.93% | Beats 86% | 237 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.90% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,429 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.01% | 10.44% | 12.89% | 16.53% | Beats 89% | 184 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.01% | 10.44% | 12.89% | 16.53% | Beats 89% | 184 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 84.75% | 52.61% | 69.38% | 83.50% | 77th pctl | 381 / 1,683 | |
| Loans / Assets | 66.75% | 44.71% | 59.18% | 70.72% | 66th pctl | 573 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |