Columbia, SC · Charter 13828
NCUA · 23 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 | 1.81% | 1.77% | 2.59% | 2.12% | 2.05% | 1.81% | 1.50% | 1.73% | -39 bps | |
| Return on Equity | 9.65% | 9.37% | 13.74% | 11.07% | 10.52% | 9.35% | 7.80% | 8.81% | -226 bps | |
| Net Interest Margin | 3.42% | 3.39% | 3.35% | 3.50% | 3.52% | 3.46% | 3.35% | 3.46% | -4 bps | |
| Efficiency Ratio | 62.00% | 64.20% | 54.32% | 58.38% | 59.60% | 62.77% | 64.36% | 63.15% | +477 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.44% | 8.57% | 6.91% | 6.76% | 7.02% | 7.53% | 6.40% | 6.23% | -53 bps | |
| Loan Growth (YoY) | -0.33% | 1.76% | 2.64% | 4.34% | 5.20% | 10.78% | 14.45% | 13.64% | +930 bps | |
| Share Growth (YoY) | 5.08% | 6.94% | 6.01% | 5.65% | 5.23% | 5.81% | 5.15% | 5.25% | -40 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.55% | 0.38% | 0.52% | 0.52% | 0.46% | 0.31% | 0.41% | -11 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 | 18.79% | 18.90% | 18.85% | 19.15% | 19.46% | 19.34% | 19.20% | 19.60% | +45 bps | |
| Net Worth / Assets | 18.79% | 18.90% | 18.85% | 19.15% | 19.46% | 19.34% | 19.20% | 19.60% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.55% | 61.08% | 58.85% | 60.55% | 61.53% | 63.95% | 64.05% | 65.37% | +483 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |