SAFE
Charter #9988 · Sumter, SC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.16% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.49% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.07% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 61st — a 17-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 | SAFE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.95B | 43th pct | 61th pct |
| Members | 140,790 | 58th pct | 62th pct |
| Net worth ratio | 10.71% | 50th pct | 51th pct |
| Return on average assets | 1.16% | 80th pct | 75th pct |
| Net interest margin | 3.73% | 75th pct | 59th pct |
| Cost of funds | 1.53% | 39th pct | 48th pct |
| Loan-to-share | 76.14% | 24th pct | 33th pct |
| Delinquency 60+ days | 0.65% | 52th pct | 44th pct |
| Net charge-off ratio | 1.49% | 96th pct | 90th pct |
| Loan growth YoY | 0.07% | 28th pct | 28th pct |
| Share growth YoY | 3.35% | 35th pct | 33th pct |
| Efficiency ratio | 58.07% | 8th pct | 2th pct |
structural peer set hash: 5ca466d5ece0208ab6ae9442b7001a65… (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.