S. C. STATE
Charter #24824 · Columbia, SC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.18% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.08% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.25% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.04% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.53% ranks in the 10th 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 | S. C. STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.46B | 28th pct | 70th pct |
| Members | 93,521 | 37th pct | 70th pct |
| Net worth ratio | 15.18% | 93th pct | 84th pct |
| Return on average assets | 2.08% | 99th pct | 98th pct |
| Net interest margin | 4.25% | 94th pct | 80th pct |
| Cost of funds | 1.16% | 25th pct | 34th pct |
| Loan-to-share | 69.79% | 15th pct | 38th pct |
| Delinquency 60+ days | 0.80% | 67th pct | 69th pct |
| Net charge-off ratio | 1.04% | 85th pct | 84th pct |
| Loan growth YoY | 1.10% | 40th pct | 56th pct |
| Share growth YoY | 3.87% | 44th pct | 56th pct |
| Efficiency ratio | 58.53% | 9th pct | 10th pct |
structural peer set hash: d4ba54280c24c8f788e946b4541993dc… (reproducible)
Closest structural peers
This is the free public view
Claim S. C. STATE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.