MID CAROLINA
Charter #60735 | SC
MID CAROLINA has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.9% in tier
- + Relationship Depth Leader: Top 21.7% in tier
- + Emerging Performer: Top 23.5% in tier
- + Net Interest Margin 0.32% above tier average
- + Share Certificate Concentration (%): Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.5% in tier
- - Efficiency Drag: Bottom 13.3% in tier
- - Liquidity Overhang: Bottom 26.5% in tier
- - Stagnation Risk: Bottom 28.3% in tier
- - Membership Headwinds: Bottom 28.8% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 3.53% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,088
-1.0% YoY-0.0% QoQ
|
-1.5K |
15,628
-3.4% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
53rd in tier |
| Assets |
$179.9M
+5.9% YoY+0.2% QoQ
|
$-51.4M |
$231.3M
-0.0% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
44th in tier |
| Loans |
$109.0M
+6.5% YoY+3.6% QoQ
|
$-38.8M |
$147.8M
-1.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
41st in tier |
| Deposits |
$161.2M
+5.0% YoY+0.1% QoQ
|
$-39.1M |
$200.3M
-0.0% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
46th in tier |
| ROA |
0.7%
-3.8% YoY+2.9% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
47th in tier |
| NIM |
3.9%
+6.0% YoY+0.7% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
68th in tier |
| Efficiency Ratio |
80.8%
-3.3% YoY-0.2% QoQ
|
+3.5% |
77.3%
-3.0% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
64th in tier |
| Delinquency Rate |
0.4%
-5.4% YoY-5.7% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
31st in tier |
| Loan To Share |
67.7%
+1.4% YoY+3.5% QoQ
|
-5.0% |
72.7%
-1.5% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
36th in tier |
| AMR |
$19,180
+6.7% YoY+1.5% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
30th in tier |
| CD Concentration |
1.1%
-57.6% YoY-9.4% QoQ
|
-23.3% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
32.5%
-5.3% YoY-4.7% QoQ
|
+18.6% |
14.0%
-5.8% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Stagnation Risk
riskMembership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)