Mid Carolina
Lugoff, SC · Charter 60735 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$181.8MAssets
$109.2MLoans
$160.6MShares
$23.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 61% of credit unions under $1B in assets (rank 657 of 1681).
- Widest gap: efficiency ratio trails 54% of credit unions under $1B in assets (rank 917 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.89%
Rank 697 of 1,683
Net Interest Margin
3.83%
Rank 833 of 1,683
Efficiency Ratio
79.66%
Rank 917 of 1,682
Equity / Assets
12.69%
Rank 876 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.35% | 0.74% | 1.18% | Beats 59% | 697 / 1,683 | | |
| Return on Equity | 6.98% | 2.67% | 5.89% | 8.74% | Beats 61% | 657 / 1,681 | | |
| Net Interest Margin | 3.83% | 3.31% | 3.82% | 4.32% | Beats 51% | 833 / 1,683 | | |
| Efficiency Ratio | 79.66% | 68.91% | 78.20% | 86.93% | Beats 46% | 917 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.26% | 0.65% | 1.29% | Beats 50% | 850 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.69% | 10.44% | 12.89% | 16.53% | Beats 48% | 876 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.69% | 10.44% | 12.89% | 16.53% | Beats 48% | 876 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.00% | 52.61% | 69.38% | 83.50% | 48th pctl | 879 / 1,683 | | |
| Loans / Assets | 60.09% | 44.71% | 59.18% | 70.72% | 52nd pctl | 810 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |