Spartanburg, SC · Charter 13476
NCUA · 6 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
41
Asset Quality
25
Profitability
70
Liquidity
34
Efficiency
69
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.
Spartanburg, SC · Charter 13476
NCUA · 6 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 | -0.10% | -0.19% | 1.31% | 1.36% | 0.96% | 0.81% | 3.02% | 1.39% | +4 bps | |
| Return on Equity | -0.81% | -1.66% | 11.00% | 10.98% | 8.01% | 6.87% | 24.59% | 11.59% | +61 bps | |
| Net Interest Margin | 3.31% | 3.28% | 3.56% | 3.73% | 3.65% | 3.57% | 3.61% | 3.60% | -12 bps | |
| Efficiency Ratio | 94.64% | 93.14% | 73.04% | 72.62% | 76.13% | 77.30% | 58.14% | 71.53% | -109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 3.89% | 2.03% | 1.23% | 5.18% | 6.27% | 7.75% | 10.23% | +900 bps | |
| Loan Growth (YoY) | 5.54% | 3.47% | 1.41% | 7.33% | 7.74% | 9.96% | 11.03% | 5.62% | -171 bps | |
| Share Growth (YoY) | 4.73% | 5.72% | 5.66% | 4.67% | 8.08% | 6.05% | 4.74% | 7.92% | +326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.04% | 0.71% | 1.03% | 1.35% | 1.09% | 1.04% | 1.30% | +27 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 | 11.98% | 11.59% | 11.95% | 12.36% | 11.93% | 11.74% | 12.28% | 12.03% | -34 bps | |
| Net Worth / Assets | 11.98% | 11.59% | 11.95% | 12.36% | 11.93% | 11.74% | 12.28% | 12.03% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.23% | 82.29% | 80.65% | 86.14% | 84.96% | 85.32% | 85.49% | 84.30% | -184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spartanburg, SC · Charter 13476 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
1.39%
Rank 294 of 1,683
Net Interest Margin
3.60%
Rank 1,036 of 1,683
Efficiency Ratio
71.53%
Rank 520 of 1,682
Equity / Assets
12.03%
Rank 991 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.35% | 0.74% | 1.18% | Beats 83% | 294 / 1,683 | ||
| Return on Equity | 11.59% | 2.67% | 5.89% | 8.74% | Beats 90% | 161 / 1,681 | ||
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,036 / 1,683 | ||
| Efficiency Ratio | 71.53% | 68.91% | 78.20% | 86.93% | Beats 69% | 520 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.30% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,266 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 991 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.03% | 10.44% | 12.89% | 16.53% | Beats 41% | 991 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.30% | 52.61% | 69.38% | 83.50% | 76th pctl | 396 / 1,683 | ||
| Loans / Assets | 70.95% | 44.71% | 59.18% | 70.72% | 76th pctl | 411 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||