Rock Hill, SC · Charter 11554
NCUA · 8 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.35% | 0.99% | 1.12% | 1.12% | 1.04% | 0.87% | 1.04% | -8 bps | |
| Return on Equity | 12.10% | 11.70% | 8.74% | 9.61% | 9.42% | 8.72% | 7.52% | 8.74% | -87 bps | |
| Net Interest Margin | 3.57% | 3.59% | 3.63% | 3.69% | 3.69% | 3.62% | 3.55% | 3.65% | -5 bps | |
| Efficiency Ratio | 66.52% | 67.02% | 69.84% | 68.03% | 69.55% | 70.94% | 74.48% | 72.81% | +478 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 6.51% | 3.89% | 2.29% | 3.53% | 4.19% | 5.55% | 5.68% | +339 bps | |
| Loan Growth (YoY) | 4.13% | 4.71% | 6.18% | 6.17% | 5.59% | 8.85% | 8.41% | 8.42% | +226 bps | |
| Share Growth (YoY) | 8.50% | 7.12% | 4.33% | 2.66% | 2.91% | 3.45% | 3.67% | 3.95% | +129 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.75% | 0.43% | 0.54% | 0.63% | 0.79% | 0.56% | 0.73% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.25% | 11.53% | 11.33% | 11.64% | 11.85% | 11.94% | 11.56% | 11.85% | +21 bps | |
| Net Worth / Assets | 11.25% | 11.53% | 11.33% | 11.64% | 11.85% | 11.94% | 11.56% | 11.85% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.82% | 89.89% | 89.20% | 90.72% | 91.13% | 94.58% | 93.28% | 94.63% | +390 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |