Moncks Corner, SC · Charter 13472
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.65% | 5.35% | 3.91% | 3.47% | 3.21% | 2.54% | 2.51% | -140 bps | |
| Return on Equity | 9.60% | 10.54% | 33.55% | 24.10% | 20.26% | 17.74% | 13.46% | 12.75% | -1,134 bps | |
| Net Interest Margin | 5.21% | 5.23% | 4.65% | 4.65% | 4.80% | 4.89% | 4.49% | 4.55% | -11 bps | |
| Efficiency Ratio | 76.74% | 74.55% | 15.00% | 36.24% | 45.03% | 47.20% | 61.38% | 61.97% | +2,573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.77% | 1.25% | 7.92% | 9.83% | 7.05% | 5.08% | -2.40% | -5.88% | -1,571 bps | |
| Loan Growth (YoY) | -7.68% | -9.66% | -8.40% | -7.05% | -3.97% | -7.15% | -8.77% | -10.74% | -369 bps | |
| Share Growth (YoY) | -1.19% | -0.77% | 6.80% | 9.22% | 5.50% | 3.21% | -5.42% | -9.33% | -1,856 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 1.35% | 2.04% | 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 | 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 | 14.99% | 15.64% | 15.95% | 16.24% | 17.12% | 18.09% | 18.83% | 19.70% | +346 bps | |
| Net Worth / Assets | 14.99% | 15.64% | 15.95% | 16.24% | 17.12% | 18.09% | 18.83% | 19.70% | +346 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.92% | 40.62% | 37.03% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |