Edisto

ORANGEBURG, SC · 1 · Charter #1397 · www.edistofederalcu.org
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
$23.4M
67th percentile
Members
2,800
81th percentile
Total loans
$11.3M
69th percentile
Total shares
$19.3M
67th percentile

Profitability

Return on assets
0.66%
43th percentile
Net interest margin
4.34%
64th percentile
Efficiency ratio
75.88%
31th percentile
Non-interest income ratio
24.21%
89th percentile

Capital & Risk

Net worth ratio
17.16%
62th percentile
Delinquency rate
1.15%
38th percentile
Net charge-off rate
0.29%
44th percentile
Loan-to-share
58.34%
47th percentile

Growth

Member growth YoY
-0.28%
63th percentile
Asset growth YoY
1.68%
54th percentile
Loan growth YoY
-5.24%
40th percentile
Share growth YoY
1.21%
54th percentile

Operations

Members / branch
2,800
90th percentile
Assets / member
$8,354
42th percentile
Field of membership penetration
21.54%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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