PEE DEE
Charter #22530 · FLORENCE, SC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,714 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 24.56% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.18% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 38th — a 31-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 | PEE DEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.07M | 85th pct | 69th pct |
| Members | 4,714 | 95th pct | 79th pct |
| Net worth ratio | 24.56% | 94th pct | 84th pct |
| Return on average assets | 1.02% | 68th pct | 38th pct |
| Net interest margin | 4.47% | 77th pct | 69th pct |
| Cost of funds | 0.18% | 12th pct | 8th pct |
| Loan-to-share | 59.14% | 53th pct | 49th pct |
| Delinquency 60+ days | 0.41% | 42th pct | 39th pct |
| Net charge-off ratio | -0.03% | 15th pct | 21th pct |
| Loan growth YoY | -1.03% | 62th pct | 69th pct |
| Share growth YoY | -3.18% | 8th pct | 3th pct |
| Efficiency ratio | 80.10% | 49th pct | 72th pct |
structural peer set hash: 00f67f1c997771656feea59bfdaee3d0… (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.