CPM
Charter #21971 · NORTH CHARLESTO, SC · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.34% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 1.25% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.10% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 4.12% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 74.33% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | CPM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $742.02M | 57th pct | 46th pct |
| Members | 66,965 | 93th pct | 72th pct |
| Net worth ratio | 9.34% | 25th pct | 21th pct |
| Return on average assets | 1.25% | 84th pct | 92th pct |
| Net interest margin | 3.42% | 43th pct | 38th pct |
| Cost of funds | 1.57% | 56th pct | 69th pct |
| Loan-to-share | 71.78% | 25th pct | 30th pct |
| Delinquency 60+ days | 1.10% | 82th pct | 84th pct |
| Net charge-off ratio | 4.12% | 100th pct | 98th pct |
| Loan growth YoY | 1.81% | 58th pct | 51th pct |
| Share growth YoY | 9.81% | 95th pct | 90th pct |
| Efficiency ratio | 74.33% | 30th pct | 21th pct |
structural peer set hash: 7a51f15853829cbdb2bec94ce1a4baa4… (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.