Spartanburg, SC · Charter 13476
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 0.96% | 0.81% | 3.02% | 1.39% | +4 bps | |
| Return on Equity | 10.98% | 8.01% | 6.87% | 24.59% | 11.59% | +61 bps | |
| Net Interest Margin | 3.73% | 3.65% | 3.57% | 3.61% | 3.60% | -12 bps | |
| Efficiency Ratio | 72.62% | 76.13% | 77.30% | 58.14% | 71.53% | -109 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.23% | 5.18% | 6.27% | 7.75% | 10.23% | +900 bps | |
| Loan Growth (YoY) | 7.33% | 7.74% | 9.96% | 11.03% | 5.62% | -171 bps | |
| Share Growth (YoY) | 4.67% | 8.08% | 6.05% | 4.74% | 7.92% | +326 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.36% | 11.93% | 11.74% | 12.28% | 12.03% | -34 bps | |
| Net Worth / Assets | 12.36% | 11.93% | 11.74% | 12.28% | 12.03% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |