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Sumter, SC · Charter 9988 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$2.0BAssets
$1.4BLoans
$1.7BShares
$215.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of credit unions $1B-$10B in assets (rank 40 of 435).
- Widest gap: equity / assets trails 47% of credit unions $1B-$10B in assets (rank 205 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.27%
Rank 72 of 435
Net Interest Margin
3.79%
Rank 92 of 435
Efficiency Ratio
58.53%
Rank 40 of 435
Equity / Assets
10.97%
Rank 205 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.55% | 0.81% | 1.14% | Beats 83% | 72 / 435 | |
| Return on Equity | 11.55% | 5.12% | 7.41% | 9.70% | Beats 87% | 55 / 435 | |
| Net Interest Margin | 3.79% | 3.01% | 3.39% | 3.75% | Beats 79% | 92 / 435 | |
| Efficiency Ratio | 58.53% | 65.25% | 71.39% | 77.86% | Beats 91% | 40 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.45% | 0.69% | 1.05% | Beats 54% | 199 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 9.81% | 10.84% | 12.63% | Beats 53% | 205 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.97% | 9.81% | 10.84% | 12.63% | Beats 53% | 205 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 79.12% | 78.33% | 88.38% | 95.61% | 27th pctl | 319 / 435 | |
| Loans / Assets | 69.21% | 67.69% | 74.58% | 80.80% | 31st pctl | 302 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |