Caro

COLUMBIA, SC · 1 · Charter #24404 · www.SmartCaro.org
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
$125.8M
60th percentile
Members
7,067
46th percentile
Total loans
$83.6M
67th percentile
Total shares
$98.4M
55th percentile

Profitability

Return on assets
0.42%
14th percentile
Net interest margin
4.39%
86th percentile
Efficiency ratio
78.69%
9th percentile
Non-interest income ratio
23.77%
79th percentile

Capital & Risk

Net worth ratio
15.79%
80th percentile
Delinquency rate
0.97%
35th percentile
Net charge-off rate
0.68%
20th percentile
Loan-to-share
84.93%
79th percentile

Growth

Member growth YoY
-4.11%
16th percentile
Asset growth YoY
-3.16%
7th percentile
Loan growth YoY
-6.86%
12th percentile
Share growth YoY
-0.07%
23th percentile

Operations

Members / branch
2,356
32th percentile
Assets / member
$17,804
75th percentile
Field of membership penetration
7.07%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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