SOUTH CAROLINA NATIONAL GUARD
Charter #17636 | SC
<100M
(2596 CUs)
Micro
($0-$500M)
24 <100M in SC
SOUTH CAROLINA NATIONAL GUARD demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.69% above tier average
- + Net Interest Margin 0.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Assets: Top 1.7% in tier
- + Total Deposits: Top 6.0% in tier
- + Efficiency Ratio: Top 8.2% in tier
- + Fee Income Per Member: Top 9.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,636
-1.4% YoY-0.7% QoQ
|
+3.0K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Top 11.0% in tier |
| Assets |
$95.2M
+7.0% YoY+2.4% QoQ
|
+$65.4M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Top 1.7% in tier |
| Loans |
$34.7M
-4.6% YoY-1.6% QoQ
|
+$19.0M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Top 14.2% in tier |
| Deposits |
$72.2M
+5.1% YoY+2.1% QoQ
|
+$46.8M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Top 6.0% in tier |
| ROA |
2.4%
-10.4% YoY-2.1% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 4.6% in tier |
| NIM |
4.4%
-6.8% YoY-0.9% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
69th in tier |
| Efficiency Ratio |
53.5%
+2.7% YoY+0.6% QoQ
|
-27.9% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate |
0.3%
-13.9% YoY-26.6% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
30th in tier |
| Loan To Share |
48.1%
-9.2% YoY-3.6% QoQ
|
-13.1% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
30th in tier |
| AMR |
$18,981
+3.1% YoY+1.6% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
Top 24.7% in tier |
| CD Concentration |
25.9%
+1.8% YoY+1.3% QoQ
|
+1.5% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
45
Total Assets
balance_sheet
Value:
$95.24M
Peer Avg: $29.86M
#45 of 2596
Top 1.7% in <100M tier
120
Return on Assets (ROA)
profitability
Value:
2.37%
Peer Avg: 0.68%
#120 of 2596
Top 4.6% in <100M tier
156
Total Deposits
balance_sheet
Value:
$72.24M
Peer Avg: $25.45M
#156 of 2596
Top 6.0% in <100M tier
214
Efficiency Ratio
profitability
Value:
53.53%
Peer Avg: 81.39%
#214 of 2596
Top 8.2% in <100M tier
249
Fee Income Per Member
profitability
Value:
$173.02
Peer Avg: $182.96
#249 of 2596
Top 9.6% in <100M tier
266
Net Worth Ratio
risk
Value:
25.72%
Peer Avg: 16.43%
#266 of 2596
Top 10.2% in <100M tier
286
Total Members
engagement
Value:
5,636
Peer Avg: 2,626
#286 of 2596
Top 11.0% in <100M tier
369
Total Loans
balance_sheet
Value:
$34.74M
Peer Avg: $15.77M
#369 of 2596
Top 14.2% in <100M tier
Top Weaknesses (1 metrics)
2004
Share Certificate Concentration (%)
balance_sheet
Value:
25.94%
Peer Avg: 15.37%
#2004 of 2596
Bottom 22.8% in <100M tier