Spartanburg Regional
Spartanburg, SC · Charter 24536 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
$56.2MAssets
$35.0MLoans
$46.4MShares
$9.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets (rank 164 of 1657).
- Widest gap: return on equity trails 45% of credit unions under $1B in assets (rank 745 of 1657).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.15%
Rank 498 of 1,659
Net Interest Margin
4.60%
Rank 275 of 1,658
Efficiency Ratio
75.07%
Rank 731 of 1,656
Equity / Assets
16.93%
Rank 363 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.35% | 0.78% | 1.25% | Beats 70% | 498 / 1,659 | |
| Return on Equity | 6.77% | 2.75% | 6.06% | 9.41% | Beats 55% | 745 / 1,657 | |
| Net Interest Margin | 4.60% | 3.20% | 3.76% | 4.33% | Beats 83% | 275 / 1,658 | |
| Efficiency Ratio | 75.07% | 67.69% | 77.34% | 85.79% | Beats 56% | 731 / 1,656 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.24% | 0.65% | 1.35% | Beats 90% | 164 / 1,657 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.94% | 10.20% | 12.57% | 16.16% | Beats 78% | 364 / 1,659 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.93% | 10.20% | 12.57% | 16.15% | Beats 78% | 363 / 1,658 | |
| Liquidity & Funding |
| Loans / Deposits | 75.41% | 54.91% | 71.55% | 84.72% | 58th pctl | 697 / 1,658 | |
| Loans / Assets | 62.30% | 46.17% | 60.56% | 71.91% | 54th pctl | 760 / 1,658 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |