S. C. H. D. DIST #7
Charter #18423 · Orangeburg, SC · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 534 sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 2.80% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 4.48% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.28% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 21st — a 25-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 | S. C. H. D. DIST #7 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.79M | 57th pct | 33th pct |
| Members | 534 | 46th pct | 21th pct |
| Net worth ratio | 18.74% | 53th pct | 59th pct |
| Return on average assets | 0.52% | 54th pct | 52th pct |
| Net interest margin | 4.28% | 57th pct | 46th pct |
| Cost of funds | 2.80% | 94th pct | 92th pct |
| Loan-to-share | 59.08% | 50th pct | 39th pct |
| Delinquency 60+ days | 4.48% | 85th pct | 93th pct |
| Net charge-off ratio | -0.28% | 9th pct | 8th pct |
| Loan growth YoY | -6.04% | 46th pct | 41th pct |
| Share growth YoY | 4.36% | 78th pct | 64th pct |
| Efficiency ratio | 88.27% | 54th pct | 61th pct |
structural peer set hash: ea9ec09458b962b3ffb1a6d2665ee3b1… (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.