PALMETTO CITIZENS
Charter #1472 · Columbia, SC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.35% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.04% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.70% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 66th — a 36-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 | PALMETTO CITIZENS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.48B | 29th pct | 66th pct |
| Members | 86,899 | 33th pct | 69th pct |
| Net worth ratio | 13.21% | 84th pct | 70th pct |
| Return on average assets | 1.35% | 87th pct | 84th pct |
| Net interest margin | 3.80% | 79th pct | 56th pct |
| Cost of funds | 1.50% | 37th pct | 52th pct |
| Loan-to-share | 69.43% | 14th pct | 38th pct |
| Delinquency 60+ days | 1.04% | 81th pct | 82th pct |
| Net charge-off ratio | 0.84% | 77th pct | 61th pct |
| Loan growth YoY | 0.81% | 37th pct | 49th pct |
| Share growth YoY | 4.80% | 61th pct | 64th pct |
| Efficiency ratio | 67.70% | 32th pct | 21th pct |
structural peer set hash: ddc0871128def324295bcc6fff3c626d… (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.