Orangeburg, SC · Charter 1397
NCUA · 1 branch
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
78
Asset Quality
20
Profitability
40
Liquidity
37
Efficiency
15
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.
Orangeburg, SC · Charter 1397
NCUA · 1 branch
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 | 1.27% | 1.22% | 1.13% | 0.73% | 0.56% | 0.52% | 0.64% | 0.39% | -34 bps | |
| Return on Equity | 7.45% | 7.14% | 6.52% | 4.20% | 3.27% | 3.01% | 3.68% | 2.23% | -198 bps | |
| Net Interest Margin | 5.07% | 5.00% | 4.76% | 4.57% | 4.33% | 4.34% | 4.40% | 4.23% | -34 bps | |
| Efficiency Ratio | 76.72% | 77.58% | 80.87% | 85.38% | 87.83% | 89.16% | 88.28% | 91.76% | +638 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.49% | 0.15% | 0.24% | 3.92% | 2.68% | 1.68% | 1.57% | 0.78% | -314 bps | |
| Loan Growth (YoY) | 2.84% | 1.67% | -2.69% | -3.48% | -3.42% | -5.24% | -6.53% | -10.05% | -657 bps | |
| Share Growth (YoY) | -3.23% | -1.16% | -0.37% | 3.43% | 2.12% | 1.21% | 1.48% | 0.60% | -283 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.17% | 0.11% | 0.49% | 0.92% | 1.15% | 1.09% | 1.54% | +105 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 | 17.05% | 17.06% | 17.29% | 17.29% | 17.15% | 17.16% | 17.28% | 17.37% | +8 bps | |
| Net Worth / Assets | 17.05% | 17.06% | 17.29% | 17.29% | 17.15% | 17.16% | 17.28% | 17.37% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.93% | 62.31% | 58.52% | 56.06% | 51.94% | 58.34% | 53.90% | 50.13% | -593 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Orangeburg, SC · Charter 1397 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.39%
Rank 1,236 of 1,683
Net Interest Margin
4.23%
Rank 485 of 1,683
Efficiency Ratio
91.73%
Rank 1,432 of 1,682
Equity / Assets
17.37%
Rank 369 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.39% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,236 / 1,683 | ||
| Return on Equity | 2.22% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,321 / 1,681 | ||
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 71% | 485 / 1,683 | ||
| Efficiency Ratio | 91.73% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,432 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.54% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,342 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.37% | 10.44% | 12.89% | 16.53% | Beats 78% | 369 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.37% | 10.44% | 12.89% | 16.53% | Beats 78% | 369 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.12% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,322 / 1,683 | ||
| Loans / Assets | 41.28% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,331 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||