S. C. H. D. DIST #7
Charter #18423 | SC
<100M
(2596 CUs)
Micro
($0-$500M)
24 <100M in SC
S. C. H. D. DIST #7 has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Net Interest Margin 0.99% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.93% above tier average
- - Share Certificate Concentration (%): Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
540
+1.9% YoY+0.9% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
Bottom 14.9% in tier |
| Assets |
$4.6M
+2.6% YoY-1.6% QoQ
|
$-25.2M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.0% in tier |
| Loans |
$2.4M
+1.7% YoY+3.1% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 20.4% in tier |
| Deposits |
$3.7M
+2.8% YoY-1.9% QoQ
|
$-21.8M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.3% in tier |
| ROA |
1.0%
-37.6% YoY-13.4% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
62nd in tier |
| NIM |
4.9%
-0.2% YoY+3.5% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 15.8% in tier |
| Efficiency Ratio |
72.1%
-8.4% YoY-5.9% QoQ
|
-9.3% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
36th in tier |
| Delinquency Rate |
4.4%
+325.1% YoY+281.8% QoQ
|
+2.9 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.2% in tier |
| Loan To Share |
65.6%
-1.1% YoY+5.1% QoQ
|
+4.4% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
56th in tier |
| AMR |
$11,330
+0.5% YoY-0.9% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
36th in tier |
| CD Concentration |
56.1%
+9.0% YoY+1.6% QoQ
|
+31.7% |
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 (5 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
411
Net Interest Margin (NIM)
profitability
Value:
4.92%
Peer Avg: 3.93%
#411 of 2596
Top 15.8% in <100M tier
465
Member Growth Rate
growth
Value:
1.89%
Peer Avg: 14.92%
#465 of 2596
Top 17.9% in <100M tier
637
Net Worth Ratio
risk
Value:
19.23%
Peer Avg: 16.43%
#637 of 2596
Top 24.5% in <100M tier
Top Weaknesses (8 metrics)
2545
Share Certificate Concentration (%)
balance_sheet
Value:
56.10%
Peer Avg: 15.37%
#2545 of 2596
Bottom 2.0% in <100M tier
2409
Total Delinquency Rate (60+ days)
risk
Value:
4.44%
Peer Avg: 1.51%
#2409 of 2596
Bottom 7.2% in <100M tier
2260
Members Per Employee (MPE)
engagement
Value:
180.000
Peer Avg: 365.701
#2260 of 2596
Bottom 13.0% in <100M tier
2210
Total Members
engagement
Value:
540
Peer Avg: 2,626
#2210 of 2596
Bottom 14.9% in <100M tier
2128
Total Assets
balance_sheet
Value:
$4.62M
Peer Avg: $29.86M
#2128 of 2596
Bottom 18.1% in <100M tier
2122
Total Deposits
balance_sheet
Value:
$3.69M
Peer Avg: $25.45M
#2122 of 2596
Bottom 18.3% in <100M tier
2067
Total Loans
balance_sheet
Value:
$2.42M
Peer Avg: $15.77M
#2067 of 2596
Bottom 20.4% in <100M tier
2004
Net Charge-Off Rate
risk
Value:
0.68%
Peer Avg: 0.57%
#2004 of 2596
Bottom 22.8% in <100M tier