SPC
Hartsville, SC · Charter 60686 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$265.8MAssets
$158.7MLoans
$234.3MShares
$30.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 48% of credit unions under $1B in assets (rank 880 of 1681).
- Widest gap: nonperforming loans / loans trails 71% of credit unions under $1B in assets (rank 1195 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.65%
Rank 954 of 1,683
Net Interest Margin
3.74%
Rank 907 of 1,683
Efficiency Ratio
79.90%
Rank 932 of 1,682
Equity / Assets
11.42%
Rank 1,090 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 43% | 954 / 1,683 | |
| Return on Equity | 5.68% | 2.67% | 5.89% | 8.74% | Beats 48% | 880 / 1,681 | |
| Net Interest Margin | 3.74% | 3.31% | 3.82% | 4.32% | Beats 46% | 907 / 1,683 | |
| Efficiency Ratio | 79.90% | 68.91% | 78.20% | 86.93% | Beats 45% | 932 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.13% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,195 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.42% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,090 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.42% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,090 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 67.72% | 52.61% | 69.38% | 83.50% | 47th pctl | 894 / 1,683 | |
| Loans / Assets | 59.69% | 44.71% | 59.18% | 70.72% | 51st pctl | 824 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |