Simpsonville, SC · Charter 12877
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
39
Profitability
27
Liquidity
32
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Simpsonville, SC · Charter 12877
NCUA · 2 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 | -0.24% | -0.28% | -0.34% | -0.28% | -0.04% | -0.60% | -0.11% | -0.29% | -1 bps | |
| Return on Equity | -1.89% | -2.18% | -2.71% | -2.18% | -0.31% | -4.81% | -0.89% | -2.40% | -22 bps | |
| Net Interest Margin | 4.04% | 4.13% | 4.06% | 4.28% | 4.30% | 4.34% | 3.98% | 4.15% | -12 bps | |
| Efficiency Ratio | 94.73% | 95.87% | 91.07% | 87.23% | 84.90% | 87.87% | 98.68% | 99.20% | +1,198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.95% | -6.97% | -4.09% | -5.71% | -4.09% | -3.44% | -4.02% | -3.98% | +173 bps | |
| Loan Growth (YoY) | -5.26% | -7.80% | -9.53% | -13.83% | -19.42% | -20.78% | -21.88% | -20.46% | -663 bps | |
| Share Growth (YoY) | -10.73% | -7.86% | -4.57% | -5.92% | -4.66% | -3.56% | -4.81% | -5.10% | +82 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.42% | 1.27% | 2.02% | 1.93% | 0.94% | 1.06% | 0.88% | -113 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 | 12.53% | 12.72% | 12.44% | 12.84% | 12.93% | 12.56% | 12.40% | 12.18% | -66 bps | |
| Net Worth / Assets | 12.53% | 12.72% | 12.44% | 12.84% | 12.93% | 12.56% | 12.40% | 12.18% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.65% | 63.06% | 58.60% | 58.02% | 54.64% | 51.79% | 48.09% | 48.64% | -939 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Simpsonville, SC · Charter 12877 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.29%
Rank 1,550 of 1,683
Net Interest Margin
4.15%
Rank 553 of 1,683
Efficiency Ratio
99.23%
Rank 1,550 of 1,682
Equity / Assets
12.18%
Rank 964 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.29% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,550 / 1,683 | ||
| Return on Equity | -2.42% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,561 / 1,681 | ||
| Net Interest Margin | 4.15% | 3.31% | 3.82% | 4.32% | Beats 67% | 553 / 1,683 | ||
| Efficiency Ratio | 99.23% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,550 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,030 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.18% | 10.44% | 12.89% | 16.53% | Beats 43% | 964 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.18% | 10.44% | 12.89% | 16.53% | Beats 43% | 964 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.63% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,345 / 1,683 | ||
| Loans / Assets | 42.11% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,320 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||