S. C. H. D. Dist #7

Orangeburg, SC · 1 · Charter #18423
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.6M
23th percentile
Members
529
19th percentile
Total loans
$2.4M
26th percentile
Total shares
$3.6M
24th percentile

Profitability

Return on assets
0.85%
52th percentile
Net interest margin
4.94%
81th percentile
Efficiency ratio
53.88%
77th percentile
Non-interest income ratio
3.34%
25th percentile

Capital & Risk

Net worth ratio
19.45%
72th percentile
Delinquency rate
5.00%
7th percentile
Net charge-off rate
0.48%
33th percentile
Loan-to-share
65.02%
56th percentile

Growth

Member growth YoY
1.15%
78th percentile
Asset growth YoY
-0.10%
40th percentile
Loan growth YoY
-2.81%
50th percentile
Share growth YoY
-0.66%
42th percentile

Operations

Members / branch
529
24th percentile
Assets / member
$8,662
45th percentile
Field of membership penetration
62.24%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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