# EDISTO
ORANGEBURG, SC · NCUA charter 1397 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/edisto-1397

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated, minority depository institution. 2,787 members of 13,000 potential (21.4% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $23.4M |
| Members | 2,787 (-0.3% YoY) |
| Full-time staff | 9 |
| Net worth | $4.1M |
| Net worth ratio | 17.3% (p63 of band) |
| ROA (annualized) | 0.64% (p53 of band) |
| Total delinquency | 1.09% (p64 of band) |
| Net charge-offs (annualized) | 0.16% (p62 of band) |
| Loans / shares | 54% (p45 of band) |
| Cash / assets | 49.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.40% (p70 of band) |
| Operating expense / assets | 5.32% (p83 of band) |
| Vehicles % of loans | 35% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.95% (p63 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 22% |
| Average share balance | $3,285 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $5,892 |
| Loans granted, annualized | $3.0M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 3 | repo signal |  |
| 2019-06 | 2 |  | repo signal |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, losing money |  |
| 2020-06 | 5 | margin squeeze, loan book shrinking | assets shrinking |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | expense trap, members leaving | losing money, loan book shrinking |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | margin squeeze |
| 2021-12 | 3 |  |  |
| 2022-03 | 6 | net worth falling, losing money, margin squeeze, charge-offs p90 | expense trap |
| 2022-06 | 3 |  | losing money, margin squeeze, charge-offs p90 |
| 2022-09 | 4 | charge-offs p90 |  |
| 2022-12 | 2 |  | delinquency 2x band, net worth falling |
| 2023-03 | 2 | assets shrinking | charge-offs p90 |
| 2023-06 | 3 | delinquency 2x band |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency 2x band |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 2 | assets shrinking |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | margin squeeze | members leaving |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | margin squeeze |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-07-21 [C-Suite Awards 2020: Todd Hall, CEO, Truliant Federal Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdFhJenhidk43TXlzR2pLY1cyNHZ1M3RaOXhPa1FacnAtWW9sUDJaQjRPb3VBT0loNVZEZDNEZVJSS3NCQ1JLdWFPOWt6dUI0NzRPckc0ak5ySzFPcGp5anZlT3l0Nzg3aS0yRkxQMVBLM1VnQWdkRTZPdWxHTS1Lamt3dV9NMThnV0FObg?oc=5) · The Business Journals
- 2020-11-21 [Marion Cain Obituary (1925 - 2020) - Orangeburg, SC - The Times and Democrat - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOYmp0MDNLWEoxWnhZV01sOXZISDh5Y0IwaFFpS3hzX2FRbGhaa0hOZzRtUERsUjBWZmI1bGRqMU5JdVhMNkJaeHA3bDN5TWs4X1lZSURScDlWQjk5TE5VS3BBWlVEZ0hILTVDemtZUzlqZmlXUWZXQW8zNW5kN3BHaG5udFA1d0ppM0E?oc=5) · legacy.com
- 2013-06-19 [Margaret Dukes Hutto - Post and Courier](https://news.google.com/rss/articles/CBMinwFBVV95cUxNWlVfOXE4ZVlVaHkyM2xGQ1RwQ092Y0FMcmVLQUZvTnVZcUN3Tlg1MDRsSGt1OUw2RnVmLXFsTGxQLWs1bjczZV9BRkZYQk9yaVpTRUt3UlRQVTZfZk5tVW0ybG1sNV9vX3VMem5oNXdXYUlzNkkwbDF3bi1jbnREbmdKYzNUaUhsUmZacHBvUWYwa0RrN0RPS0lrQVRkRGM?oc=5) · Post and Courier
- 2023-01-03 [Patricia Johnson Obituary (2023) - Orangeburg, SC - The Times and Democrat - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNSXZIX1FSM0t0d2VVaV9WdzRnVXhMSU93MEdZZlRpcmVhcVp6SmRCT2ozeWFkUUpCU2JvMkt3MWxmVzR6d3N1WVdmSy1YVnJDVzZwX2xadS1NbTVPbDM0aGtQRnJsWmRaZlFHWGpWWk5EUU1NSlo3eW1fWXBweGRZMkhTQWZ0WDVBTFFrVXN3SVBYdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1397 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/53.json (key "1397", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1397
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide