S. C. State
Columbia, SC · Charter 24824 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 19 branches
Q2 2026
$1.5BAssets
$864.0MLoans
$1.2BShares
$228.9MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 99% of credit unions $1B-$10B in assets (rank 4 of 435).
- Widest gap: nonperforming loans / loans trails 62% of credit unions $1B-$10B in assets (rank 269 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.06%
Rank 4 of 435
Net Interest Margin
4.23%
Rank 26 of 435
Efficiency Ratio
55.83%
Rank 30 of 435
Equity / Assets
15.57%
Rank 28 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.06% | 0.55% | 0.81% | 1.14% | Beats 99% | 4 / 435 | |
| Return on Equity | 13.24% | 5.12% | 7.41% | 9.70% | Beats 95% | 21 / 435 | |
| Net Interest Margin | 4.23% | 3.01% | 3.39% | 3.75% | Beats 94% | 26 / 435 | |
| Efficiency Ratio | 55.83% | 65.25% | 71.39% | 77.86% | Beats 93% | 30 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.45% | 0.69% | 1.05% | Beats 38% | 269 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.57% | 9.81% | 10.84% | 12.63% | Beats 94% | 28 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.57% | 9.81% | 10.84% | 12.63% | Beats 94% | 28 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 70.20% | 78.33% | 88.38% | 95.61% | 14th pctl | 375 / 435 | |
| Loans / Assets | 58.77% | 67.69% | 74.58% | 80.80% | 13th pctl | 379 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |