PALMETTO FIRST
Charter #24491 · Florence, SC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.75% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.94% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.43% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.79% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.00% sits at the 92nd percentile of structural peers — worth a closer look.
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 FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $63.79M | 33th pct | 51th pct |
| Members | 6,501 | 74th pct | 59th pct |
| Net worth ratio | 20.75% | 92th pct | 82th pct |
| Return on average assets | 1.94% | 94th pct | 80th pct |
| Net interest margin | 5.43% | 98th pct | 92th pct |
| Cost of funds | 1.00% | 56th pct | 46th pct |
| Loan-to-share | 82.16% | 86th pct | 64th pct |
| Delinquency 60+ days | 1.79% | 91th pct | 89th pct |
| Net charge-off ratio | 1.00% | 89th pct | 92th pct |
| Loan growth YoY | 2.78% | 84th pct | 85th pct |
| Share growth YoY | 0.41% | 22th pct | 23th pct |
| Efficiency ratio | 62.91% | 15th pct | 31th pct |
structural peer set hash: 204607b1c113db13003b07df3bdd444b… (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.