PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Family Trust

Rock Hill, SC · Charter 11554

NCUA · 8 branches

Q2 2026

$805.4MAssets
$639.2MLoans
$675.5MShares
$95.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.04%, down 8 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.73% of loans (+19 bps YoY).
  • Capital: net worth / assets of 11.85%, up 21 bps from a year ago.
  • Funding: loans stand at 94.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.65%-5 bps YoY

Efficiency Ratio (YTD, annualized)

72.81%+478 bps YoY

Net Worth / Assets

11.85%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.12%1.04%0.87%1.04%-8 bps
Return on Equity9.61%9.42%8.72%7.52%8.74%-87 bps
Net Interest Margin3.69%3.69%3.62%3.55%3.65%-5 bps
Efficiency Ratio68.03%69.55%70.94%74.48%72.81%+478 bps
Growth
Asset Growth (YoY)2.29%3.53%4.19%5.55%5.68%+339 bps
Loan Growth (YoY)6.17%5.59%8.85%8.41%8.42%+226 bps
Share Growth (YoY)2.66%2.91%3.45%3.67%3.95%+129 bps
Asset Quality
Delinquent Loans / Loans0.54%0.63%0.79%0.56%0.73%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.64%11.85%11.94%11.56%11.85%+21 bps
Net Worth / Assets11.64%11.85%11.94%11.56%11.85%+21 bps
Liquidity & Funding
Loans / Shares90.72%91.13%94.58%93.28%94.63%+390 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps