CAROLINA FOOTHILLS
Charter #13476 · Spartanburg, SC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 19,389 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 3.04% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.04% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.14% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 45th — a 24-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 | CAROLINA FOOTHILLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $220.48M | 57th pct | 54th pct |
| Members | 19,389 | 76th pct | 77th pct |
| Net worth ratio | 12.28% | 60th pct | 72th pct |
| Return on average assets | 3.04% | 100th pct | 98th pct |
| Net interest margin | 3.63% | 48th pct | 34th pct |
| Cost of funds | 1.73% | 78th pct | 69th pct |
| Loan-to-share | 85.49% | 80th pct | 64th pct |
| Delinquency 60+ days | 1.04% | 78th pct | 75th pct |
| Net charge-off ratio | 0.47% | 61th pct | 70th pct |
| Loan growth YoY | 2.25% | 69th pct | 45th pct |
| Share growth YoY | 1.62% | 23th pct | 17th pct |
| Efficiency ratio | 58.14% | 6th pct | 2th pct |
structural peer set hash: 0159b7fd3758fdcc7785f760c9cd3a5e… (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.