Myrtle Beach, SC · Charter 12361
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.94% | 1.04% | 0.93% | 0.92% | +2 bps | |
| Return on Equity | 9.61% | 9.69% | 10.31% | 9.63% | 9.38% | -23 bps | |
| Net Interest Margin | 4.47% | 4.59% | 4.70% | 4.70% | 4.72% | +24 bps | |
| Efficiency Ratio | 73.87% | 74.20% | 72.78% | 74.87% | 75.23% | +136 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.83% | 2.98% | 3.26% | 1.83% | 2.78% | -105 bps | |
| Loan Growth (YoY) | 5.27% | 8.29% | 9.13% | 9.12% | 11.36% | +609 bps | |
| Share Growth (YoY) | 1.89% | 1.74% | 1.76% | 0.52% | 1.97% | +8 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.82% | 1.18% | 0.76% | 0.83% | +31 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.38% | 9.67% | 10.05% | 9.68% | 9.85% | +47 bps | |
| Net Worth / Assets | 9.38% | 9.67% | 10.05% | 9.68% | 9.85% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.81% | 83.17% | 85.03% | 83.25% | 87.16% | +735 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |