Moncks Corner, SC · Charter 13472
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
86
Asset Quality
3
Profitability
91
Liquidity
0
Efficiency
87
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.
Moncks Corner, SC · Charter 13472
NCUA · 2 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 | 3.91% | 3.47% | 3.21% | 2.54% | 2.51% | -140 bps | |
| Return on Equity | 24.10% | 20.26% | 17.74% | 13.46% | 12.75% | -1,134 bps | |
| Net Interest Margin | 4.65% | 4.80% | 4.89% | 4.49% | 4.55% | -11 bps | |
| Efficiency Ratio | 36.24% | 45.03% | 47.20% | 61.38% | 61.97% | +2,573 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.83% | 7.05% | 5.08% | -2.40% | -5.88% | -1,571 bps | |
| Loan Growth (YoY) | -7.05% | -3.97% | -7.15% | -8.77% | -10.74% | -369 bps | |
| Share Growth (YoY) | 9.22% | 5.50% | 3.21% | -5.42% | -9.33% | -1,856 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.20% | 1.92% | 3.40% | 3.09% | 5.60% | +240 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 | 16.24% | 17.12% | 18.09% | 18.83% | 19.70% | +346 bps | |
| Net Worth / Assets | 16.24% | 17.12% | 18.09% | 18.83% | 19.70% | +346 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.09% | 35.43% | 36.55% | 35.72% | 34.54% | -55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Moncks Corner, SC · Charter 13472 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.51%
Rank 27 of 1,683
Net Interest Margin
4.55%
Rank 302 of 1,683
Efficiency Ratio
61.89%
Rank 219 of 1,682
Equity / Assets
19.70%
Rank 239 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.51% | 0.35% | 0.74% | 1.18% | Beats 98% | 27 / 1,683 | |
| Return on Equity | 12.74% | 2.67% | 5.89% | 8.74% | Beats 94% | 103 / 1,681 | |
| Net Interest Margin | 4.55% | 3.31% | 3.82% | 4.32% | Beats 82% | 302 / 1,683 | |
| Efficiency Ratio | 61.89% | 68.91% | 78.20% | 86.93% | Beats 87% | 219 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.60% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,634 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.70% | 10.44% | 12.89% | 16.53% | Beats 86% | 239 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.70% | 10.44% | 12.89% | 16.53% | Beats 86% | 239 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.54% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,560 / 1,683 | |
| Loans / Assets | 27.67% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,579 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||