SOUTH CAROLINA
Charter #1022 · NORTH CHARLESTO, SC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.18% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.20% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.63% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 79.35% sits at the 82nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SOUTH CAROLINA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.57B | 56th pct | 57th pct |
| Members | 156,633 | 62th pct | 62th pct |
| Net worth ratio | 13.18% | 83th pct | 84th pct |
| Return on average assets | 1.00% | 73th pct | 61th pct |
| Net interest margin | 4.20% | 93th pct | 93th pct |
| Cost of funds | 0.63% | 15th pct | 16th pct |
| Loan-to-share | 92.86% | 72th pct | 61th pct |
| Delinquency 60+ days | 0.47% | 34th pct | 33th pct |
| Net charge-off ratio | 0.55% | 55th pct | 64th pct |
| Loan growth YoY | -0.21% | 24th pct | 21th pct |
| Share growth YoY | 2.82% | 27th pct | 23th pct |
| Efficiency ratio | 79.35% | 75th pct | 82th pct |
structural peer set hash: 2d7edfc8234dcc007fb450871ec5223b… (reproducible)
Closest structural peers
This is the free public view
Claim SOUTH CAROLINA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.