GREENVILLE HERITAGE
Charter #4400 · Greenville, SC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.35% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.68% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.31% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 97th — a 21-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 | GREENVILLE HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $177.07M | 42th pct | 39th pct |
| Members | 11,410 | 40th pct | 33th pct |
| Net worth ratio | 12.58% | 65th pct | 64th pct |
| Return on average assets | 0.66% | 47th pct | 48th pct |
| Net interest margin | 3.35% | 32th pct | 21th pct |
| Cost of funds | 1.68% | 76th pct | 97th pct |
| Loan-to-share | 58.47% | 24th pct | 33th pct |
| Delinquency 60+ days | 0.31% | 23th pct | 13th pct |
| Net charge-off ratio | 0.51% | 65th pct | 56th pct |
| Loan growth YoY | 1.51% | 62th pct | 62th pct |
| Share growth YoY | 5.37% | 75th pct | 79th pct |
| Efficiency ratio | 80.19% | 56th pct | 51th pct |
structural peer set hash: a07247b560ddaf20454260caace42e4e… (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.