SECURED ADVANTAGE
Charter #12877 · Simpsonville, SC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.11% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 4.00% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.01% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.68% sits at the 87th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 52nd — a 26-point gap showing why the peer definition matters.
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 | SECURED ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $57.81M | 20th pct | 36th pct |
| Members | 4,492 | 39th pct | 46th pct |
| Net worth ratio | 12.40% | 46th pct | 48th pct |
| Return on average assets | -0.11% | 12th pct | 21th pct |
| Net interest margin | 4.00% | 67th pct | 75th pct |
| Cost of funds | 1.01% | 57th pct | 77th pct |
| Loan-to-share | 48.09% | 26th pct | 52th pct |
| Delinquency 60+ days | 1.06% | 74th pct | 67th pct |
| Net charge-off ratio | 0.51% | 71th pct | 67th pct |
| Loan growth YoY | -12.11% | 1th pct | 0th pct |
| Share growth YoY | -0.13% | 16th pct | 23th pct |
| Efficiency ratio | 98.68% | 93th pct | 87th pct |
structural peer set hash: 1777d56e0b0d9be585030fd4ff690182… (reproducible)
Closest structural peers
This is the free public view
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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.