Orangeburg, SC · Charter 1397
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.56% | 0.52% | 0.64% | 0.39% | -34 bps | |
| Return on Equity | 4.20% | 3.27% | 3.01% | 3.68% | 2.23% | -198 bps | |
| Net Interest Margin | 4.57% | 4.33% | 4.34% | 4.40% | 4.23% | -34 bps | |
| Efficiency Ratio | 85.38% | 87.83% | 89.16% | 88.28% | 91.76% | +638 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.92% | 2.68% | 1.68% | 1.57% | 0.78% | -314 bps | |
| Loan Growth (YoY) | -3.48% | -3.42% | -5.24% | -6.53% | -10.05% | -657 bps | |
| Share Growth (YoY) | 3.43% | 2.12% | 1.21% | 1.48% | 0.60% | -283 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.29% | 17.15% | 17.16% | 17.28% | 17.37% | +8 bps | |
| Net Worth / Assets | 17.29% | 17.15% | 17.16% | 17.28% | 17.37% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |