SANTEE COOPER CREDIT UNION
Charter #60745 · MONCKS CORNER, SC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.20% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 46th — a 35-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 | SANTEE COOPER CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $92.92M | 88th pct | 67th pct |
| Members | 7,152 | 81th pct | 46th pct |
| Net worth ratio | 15.16% | 71th pct | 64th pct |
| Return on average assets | 1.33% | 80th pct | 66th pct |
| Net interest margin | 4.42% | 85th pct | 66th pct |
| Cost of funds | 1.17% | 66th pct | 52th pct |
| Loan-to-share | 79.66% | 83th pct | 57th pct |
| Delinquency 60+ days | 0.69% | 54th pct | 67th pct |
| Net charge-off ratio | 0.20% | 46th pct | 16th pct |
| Loan growth YoY | 4.09% | 89th pct | 82th pct |
| Share growth YoY | 9.99% | 96th pct | 92th pct |
| Efficiency ratio | 71.68% | 29th pct | 39th pct |
structural peer set hash: 5364bfc9859877b1b78f71a4ecd615e7… (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.