MID CAROLINA
Charter #60735 · Lugoff, SC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.12% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.19% ranks in the 23rd 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 | MID CAROLINA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $177.67M | 42th pct | 52th pct |
| Members | 14,016 | 54th pct | 64th pct |
| Net worth ratio | 12.82% | 67th pct | 67th pct |
| Return on average assets | 1.12% | 75th pct | 79th pct |
| Net interest margin | 3.79% | 59th pct | 51th pct |
| Cost of funds | 1.23% | 51th pct | 64th pct |
| Loan-to-share | 66.69% | 40th pct | 46th pct |
| Delinquency 60+ days | 0.63% | 51th pct | 52th pct |
| Net charge-off ratio | 0.19% | 29th pct | 23th pct |
| Loan growth YoY | -3.61% | 13th pct | 20th pct |
| Share growth YoY | -2.20% | 3th pct | 0th pct |
| Efficiency ratio | 77.31% | 44th pct | 49th pct |
structural peer set hash: 5c4844fc845270ef4475bc07b3dfb2af… (reproducible)
Closest structural peers
This is the free public view
Claim MID CAROLINA
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.