CARO
Charter #24404 · COLUMBIA, SC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.39% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.31% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.59% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.29% sits at the 95th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 57th — a 29-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 | CARO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $156.08M | 34th pct | 46th pct |
| Members | 10,650 | 36th pct | 52th pct |
| Net worth ratio | 15.39% | 87th pct | 89th pct |
| Return on average assets | 0.31% | 23th pct | 10th pct |
| Net interest margin | 4.59% | 91th pct | 92th pct |
| Cost of funds | 0.79% | 29th pct | 28th pct |
| Loan-to-share | 67.07% | 40th pct | 36th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 62th pct |
| Net charge-off ratio | 0.31% | 44th pct | 56th pct |
| Loan growth YoY | 4.76% | 86th pct | 57th pct |
| Share growth YoY | 26.09% | 100th pct | 90th pct |
| Efficiency ratio | 93.29% | 91th pct | 95th pct |
structural peer set hash: 40b70f96dc0ce3cc6b31338f73942079… (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.