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 | |