PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Allsouth

Columbia, SC · Charter 13828

NCUA · 23 branches

Q2 2026

$1.5BAssets
$799.9MLoans
$1.2BShares
$296.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.73%, down 39 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.41% of loans (-11 bps YoY).
  • Capital: net worth / assets of 19.60%, up 45 bps from a year ago.
  • Funding: loans stand at 65.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.73%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-4 bps YoY

Efficiency Ratio (YTD, annualized)

63.15%+477 bps YoY

Net Worth / Assets

19.60%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.12%2.05%1.81%1.50%1.73%-39 bps
Return on Equity11.07%10.52%9.35%7.80%8.81%-226 bps
Net Interest Margin3.50%3.52%3.46%3.35%3.46%-4 bps
Efficiency Ratio58.38%59.60%62.77%64.36%63.15%+477 bps
Growth
Asset Growth (YoY)6.76%7.02%7.53%6.40%6.23%-53 bps
Loan Growth (YoY)4.34%5.20%10.78%14.45%13.64%+930 bps
Share Growth (YoY)5.65%5.23%5.81%5.15%5.25%-40 bps
Asset Quality
Delinquent Loans / Loans0.52%0.52%0.46%0.31%0.41%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.15%19.46%19.34%19.20%19.60%+45 bps
Net Worth / Assets19.15%19.46%19.34%19.20%19.60%+45 bps
Liquidity & Funding
Loans / Shares60.55%61.53%63.95%64.05%65.37%+483 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps