S C I

Florence, SC · 1 · Charter #16655 · www.scifcu.com
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
$22.6M
66th percentile
Members
1,664
56th percentile
Total loans
$9.5M
64th percentile
Total shares
$19.2M
67th percentile

Profitability

Return on assets
0.49%
34th percentile
Net interest margin
3.98%
50th percentile
Efficiency ratio
71.19%
41th percentile
Non-interest income ratio
8.22%
46th percentile

Capital & Risk

Net worth ratio
14.96%
50th percentile
Delinquency rate
0.13%
75th percentile
Net charge-off rate
0.35%
41th percentile
Loan-to-share
49.66%
34th percentile

Growth

Member growth YoY
-0.12%
65th percentile
Asset growth YoY
0.33%
44th percentile
Loan growth YoY
-4.01%
46th percentile
Share growth YoY
0.04%
47th percentile

Operations

Members / branch
1,664
69th percentile
Assets / member
$13,592
79th percentile
Field of membership penetration
41.60%
56th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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