Mid Carolina

Lugoff, SC · 2 · Charter #60735 · www.midcarolinacu.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
$182.2M
84th percentile
Members
14,029
87th percentile
Total loans
$107.5M
79th percentile
Total shares
$151.2M
82th percentile

Profitability

Return on assets
1.06%
52th percentile
Net interest margin
3.87%
62th percentile
Efficiency ratio
67.86%
33th percentile
Non-interest income ratio
24.70%
82th percentile

Capital & Risk

Net worth ratio
12.22%
50th percentile
Delinquency rate
0.70%
51th percentile
Net charge-off rate
0.55%
29th percentile
Loan-to-share
71.09%
55th percentile

Growth

Member growth YoY
-0.68%
49th percentile
Asset growth YoY
5.95%
68th percentile
Loan growth YoY
4.83%
71th percentile
Share growth YoY
4.95%
63th percentile

Operations

Members / branch
2,806
42th percentile
Assets / member
$12,984
38th percentile
Field of membership penetration
3.26%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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