Carolina Foothills

Spartanburg, SC · 1 · Charter #13476 · www.carolinafoothillsfcu.coo
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
$218.0M
94th percentile
Members
19,367
97th percentile
Total loans
$156.9M
96th percentile
Total shares
$180.9M
92th percentile

Profitability

Return on assets
1.29%
67th percentile
Net interest margin
3.57%
45th percentile
Efficiency ratio
62.44%
51th percentile
Non-interest income ratio
32.64%
96th percentile

Capital & Risk

Net worth ratio
11.74%
44th percentile
Delinquency rate
1.09%
29th percentile
Net charge-off rate
0.59%
25th percentile
Loan-to-share
86.73%
82th percentile

Growth

Member growth YoY
0.03%
59th percentile
Asset growth YoY
6.27%
71th percentile
Loan growth YoY
9.96%
87th percentile
Share growth YoY
4.33%
59th percentile

Operations

Members / branch
2,767
41th percentile
Assets / member
$11,256
22th percentile
Field of membership penetration
18.44%
69th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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