Palmetto First

Florence, SC · 1 · Charter #24491 · www.palmettofirst.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$61.5M
13th percentile
Members
6,438
39th percentile
Total loans
$40.8M
29th percentile
Total shares
$48.4M
9th percentile

Profitability

Return on assets
2.64%
99th percentile
Net interest margin
5.52%
99th percentile
Efficiency ratio
56.94%
66th percentile
Non-interest income ratio
21.57%
71th percentile

Capital & Risk

Net worth ratio
21.03%
94th percentile
Delinquency rate
2.45%
6th percentile
Net charge-off rate
1.24%
8th percentile
Loan-to-share
84.37%
78th percentile

Growth

Member growth YoY
-1.33%
42th percentile
Asset growth YoY
2.78%
40th percentile
Loan growth YoY
10.69%
88th percentile
Share growth YoY
0.84%
29th percentile

Operations

Members / branch
2,146
25th percentile
Assets / member
$9,556
11th percentile
Field of membership penetration
4.70%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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