SOUTH CAROLINA

Charter #1022 | SC

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in SC

SOUTH CAROLINA has 9 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.2% in tier
  • + Wallet Share Momentum: Top 2.3% in tier
  • + ROA 0.09% above tier average
  • + Net Interest Margin 0.98% above tier average
  • + Share Certificate Concentration (%): Top 0.7% in tier
  • + AMR Growth Rate: Top 4.6% in tier
  • + Fee Income Per Member: Top 7.2% in tier
  • + Total Members: Top 9.5% in tier
  • + Total Loans: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 2.9% in tier
  • - Stagnation Risk: Bottom 2.9% in tier
  • - Membership Headwinds: Bottom 3.8% in tier
  • - Credit Quality Pressure: Bottom 4.8% in tier
  • - Efficiency Drag: Bottom 22.8% in tier
  • - Margin Compression: Bottom 25.6% in tier
  • - Liquidity Overhang: Bottom 26.2% in tier
  • - Liquidity Strain: Bottom 26.5% in tier
  • - Efficiency ratio 7.95% above tier (higher cost structure)
  • - Delinquency rate 0.09% above tier average
  • - Member decline: -9.7% YoY
  • - Member Growth Rate: Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 157,164
-9.7% YoY+1.3% QoQ
 +58.5K 98,678
-1.9% YoY
 37,124
+2.2% YoY
 33,089
+6.1% YoY
 Top 9.9% in tier
Assets $2.5B
+0.2% YoY+0.5% QoQ
 +$805.8M $1.7B
+0.5% YoY
 $514.3M
+4.6% YoY
 $547.7M
+7.8% YoY
 Top 15.1% in tier
Loans $1.9B
-0.1% YoY-0.4% QoQ
 +$697.3M $1.2B
+0.5% YoY
 $362.8M
+7.0% YoY
 $388.7M
+8.6% YoY
 Top 10.2% in tier
Deposits $2.0B
+3.3% YoY+0.7% QoQ
 +$563.1M $1.5B
+1.3% YoY
 $433.3M
+6.0% YoY
 $464.6M
+9.3% YoY
 Top 18.1% in tier
ROA 0.8%
-13.9% YoY+20.2% QoQ
 +0.1% 0.7%
+13.4% YoY
 1.2%
+18.8% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 4.2%
+4.7% YoY+0.8% QoQ
 +1.0% 3.3%
+9.3% YoY
 4.3%
+2.6% YoY
 3.7%
+5.0% YoY
 Top 6.2% in tier
Efficiency Ratio 81.9%
+2.2% YoY-1.8% QoQ
 +8.0% 74.0%
-10.9% YoY
 75.1%
-1.9% YoY
 79.1%
-3.3% YoY
 Top 17.8% in tier
Delinquency Rate 0.9%
+63.9% YoY+24.3% QoQ
 +0.1 0.8%
+6.1% YoY
 0.9%
+10.3% YoY
 1.2%
-0.9% YoY
 71st in tier
Loan To Share 95.7%
-3.3% YoY-1.1% QoQ
 +10.5% 85.2%
-0.8% YoY
 71.3%
-1.2% YoY
 68.0%
-1.7% YoY
 Top 23.0% in tier
AMR $25,119
+12.4% YoY-1.1% QoQ
 $-4K $29,172
+2.8% YoY
 $16,641
+2.9% YoY
 $19,418
+1.3% YoY
 35th in tier
CD Concentration 3.8%
+8.8% YoY-1.8% QoQ
 -25.1% 29.0%
+0.8% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 Bottom 0.8% in tier
Indirect Auto % 12.4%
-15.8% YoY-3.5% QoQ
 -6.4% 18.8%
-2.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 41st in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#10 of 264 • Top 1.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 12.43%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#18 of 264 • Top 2.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 12.43%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (8)

Flatlined Growth

risk
#2 of 18 • Bottom 2.9% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $2.53B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 0.23%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.79%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | Rank improving

Stagnation Risk

risk
#8 of 85 • Bottom 2.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.79%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -9.66%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.1K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 3.84%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank improving

Membership Headwinds

decline
#10 of 85 • Bottom 3.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -9.66%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank improving

Credit Quality Pressure

risk
#38 of 217 • Bottom 4.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.36% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Efficiency Drag

risk
#76 of 96 • Bottom 22.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.93%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.13% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -9.66%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Margin Compression

decline
#22 of 24 • Bottom 25.6% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.79%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.13% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $2.53B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | New qualifier

Liquidity Overhang

risk
#85 of 113 • Bottom 26.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.05%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 95.68%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Liquidity Strain

risk
#140 of 183 • Bottom 26.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 95.68%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.13%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (10 metrics)

3
Share Certificate Concentration (%)
balance_sheet
Value: 3.84%
Peer Avg: 28.53%
#3 of 304 Top 0.7% in 1B-3B tier
15
AMR Growth Rate
growth
Value: 12.43%
Peer Avg: 3.29%
#15 of 304 Top 4.6% in 1B-3B tier
19
Net Interest Margin (NIM)
profitability
Value: 4.24%
Peer Avg: 3.26%
#19 of 304 Top 5.9% in 1B-3B tier
23
Fee Income Per Member
profitability
Value: $327.63
Peer Avg: $210.52
#23 of 304 Top 7.2% in 1B-3B tier
30
Total Members
engagement
Value: 157,164
Peer Avg: 98,678
#30 of 304 Top 9.5% in 1B-3B tier
31
Total Loans
balance_sheet
Value: $1.93B
Peer Avg: $1.23B
#31 of 304 Top 9.9% in 1B-3B tier
46
Total Assets
balance_sheet
Value: $2.53B
Peer Avg: $1.72B
#46 of 304 Top 14.8% in 1B-3B tier
54
Net Worth Ratio
risk
Value: 13.05%
Peer Avg: 11.44%
#54 of 304 Top 17.4% in 1B-3B tier
55
Total Deposits
balance_sheet
Value: $2.02B
Peer Avg: $1.45B
#55 of 304 Top 17.8% in 1B-3B tier
70
Loan-to-Share Ratio
balance_sheet
Value: 95.68%
Peer Avg: 85.19%
#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (5 metrics)

293
Member Growth Rate
growth
Value: -9.66%
Peer Avg: 2.20%
#293 of 304 Bottom 3.9% in 1B-3B tier
271
First Mortgage Concentration (%)
balance_sheet
Value: 52.91%
Peer Avg: 34.01%
#271 of 304 Bottom 11.2% in 1B-3B tier
266
Members Per Employee (MPE)
engagement
Value: 277.675
Peer Avg: 364.953
#266 of 304 Bottom 12.8% in 1B-3B tier
251
Efficiency Ratio
profitability
Value: 81.93%
Peer Avg: 73.97%
#251 of 304 Bottom 17.8% in 1B-3B tier
243
Asset Growth Rate
growth
Value: 0.23%
Peer Avg: 4.83%
#243 of 304 Bottom 20.4% in 1B-3B tier