DIXIES
Charter #5569 · DARLINGTON, SC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.75% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.15% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.74% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.88% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 48th — a 49-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 | DIXIES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.33M | 96th pct | 48th pct |
| Members | 5,008 | 96th pct | 69th pct |
| Net worth ratio | 22.75% | 91th pct | 82th pct |
| Return on average assets | 0.59% | 47th pct | 30th pct |
| Net interest margin | 5.15% | 93th pct | 92th pct |
| Cost of funds | 0.86% | 50th pct | 30th pct |
| Loan-to-share | 89.34% | 93th pct | 64th pct |
| Delinquency 60+ days | 0.88% | 64th pct | 67th pct |
| Net charge-off ratio | 0.74% | 79th pct | 85th pct |
| Loan growth YoY | 4.27% | 91th pct | 90th pct |
| Share growth YoY | -0.15% | 25th pct | 31th pct |
| Efficiency ratio | 86.88% | 66th pct | 80th pct |
structural peer set hash: c1e013cce6b045325ba72d5716ed1e74… (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.