Spc

HARTSVILLE, SC · 2 · Charter #60686 · www.spccu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$253.9M
2th percentile
Members
25,722
44th percentile
Total loans
$158.1M
7th percentile
Total shares
$224.9M
4th percentile

Profitability

Return on assets
1.43%
79th percentile
Net interest margin
4.03%
83th percentile
Efficiency ratio
70.89%
9th percentile
Non-interest income ratio
35.08%
98th percentile

Capital & Risk

Net worth ratio
11.61%
61th percentile
Delinquency rate
1.32%
16th percentile
Net charge-off rate
0.94%
13th percentile
Loan-to-share
70.32%
28th percentile

Growth

Member growth YoY
2.57%
73th percentile
Asset growth YoY
5.61%
54th percentile
Loan growth YoY
-2.41%
16th percentile
Share growth YoY
6.52%
67th percentile

Operations

Members / branch
3,675
31th percentile
Assets / member
$9,872
4th percentile
Field of membership penetration
9.20%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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