SPC
Charter #60686 · HARTSVILLE, SC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,924 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.08% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.65% sits at the 84th 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 | SPC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $266.17M | 67th pct | 62th pct |
| Members | 25,924 | 90th pct | 87th pct |
| Net worth ratio | 11.29% | 47th pct | 54th pct |
| Return on average assets | 0.86% | 61th pct | 56th pct |
| Net interest margin | 3.79% | 58th pct | 72th pct |
| Cost of funds | 0.76% | 28th pct | 34th pct |
| Loan-to-share | 65.06% | 36th pct | 39th pct |
| Delinquency 60+ days | 1.08% | 79th pct | 85th pct |
| Net charge-off ratio | 0.65% | 75th pct | 84th pct |
| Loan growth YoY | -2.87% | 18th pct | 13th pct |
| Share growth YoY | 5.87% | 79th pct | 79th pct |
| Efficiency ratio | 78.00% | 47th pct | 44th pct |
structural peer set hash: 411e6c9992ba6f62d059acb3fc7c4b2b… (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.