NEIGHBORS UNITED
Charter #24851 · Greenwood, SC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.99% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 3.49% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.60% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 109.44% sits at the 98th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 48th — a 34-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 | NEIGHBORS UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.81M | 39th pct | 28th pct |
| Members | 7,234 | 81th pct | 48th pct |
| Net worth ratio | 12.26% | 44th pct | 51th pct |
| Return on average assets | -0.99% | 2th pct | 0th pct |
| Net interest margin | 3.49% | 38th pct | 10th pct |
| Cost of funds | 0.60% | 27th pct | 25th pct |
| Loan-to-share | 64.02% | 55th pct | 48th pct |
| Delinquency 60+ days | 0.90% | 68th pct | 61th pct |
| Net charge-off ratio | 0.59% | 76th pct | 57th pct |
| Loan growth YoY | -1.39% | 51th pct | 48th pct |
| Share growth YoY | 2.21% | 42th pct | 28th pct |
| Efficiency ratio | 109.44% | 98th pct | 98th pct |
structural peer set hash: 902f8f026c446ef0414094e1b27c4a88… (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.