EDISTO
Charter #1397 · ORANGEBURG, SC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.28% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.40% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 90th — a 16-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 | EDISTO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.44M | 45th pct | 36th pct |
| Members | 2,787 | 70th pct | 67th pct |
| Net worth ratio | 17.28% | 73th pct | 75th pct |
| Return on average assets | 0.64% | 49th pct | 44th pct |
| Net interest margin | 4.40% | 75th pct | 90th pct |
| Cost of funds | 1.21% | 67th pct | 67th pct |
| Loan-to-share | 53.90% | 44th pct | 48th pct |
| Delinquency 60+ days | 1.09% | 70th pct | 72th pct |
| Net charge-off ratio | 0.15% | 52th pct | 62th pct |
| Loan growth YoY | 3.38% | 89th pct | 90th pct |
| Share growth YoY | -0.37% | 24th pct | 20th pct |
| Efficiency ratio | 88.28% | 70th pct | 74th pct |
structural peer set hash: 5d9ef47f9a53c1201692d88a0939497e… (reproducible)
Closest structural peers
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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.