Columbia, SC · Charter 1472
NCUA · 15 branches
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 | 1.28% | 1.42% | 1.45% | 1.33% | 1.49% | +20 bps | |
| Return on Equity | 9.96% | 10.79% | 10.86% | 10.07% | 11.02% | +106 bps | |
| Net Interest Margin | 3.66% | 3.76% | 3.81% | 3.75% | 3.81% | +15 bps | |
| Efficiency Ratio | 68.16% | 66.39% | 65.51% | 67.70% | 66.48% | -168 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.77% | 7.66% | 6.74% | 6.20% | 6.48% | -129 bps | |
| Loan Growth (YoY) | 4.61% | 6.90% | 6.27% | 7.02% | 4.18% | -42 bps | |
| Share Growth (YoY) | 7.14% | 7.02% | 6.67% | 6.48% | 6.98% | -16 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.96% | 1.07% | 1.04% | 1.11% | +30 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 | 12.87% | 13.16% | 13.36% | 13.21% | 13.48% | +61 bps | |
| Net Worth / Assets | 12.87% | 13.16% | 13.36% | 13.21% | 13.48% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.18% | 72.18% | 71.17% | 69.43% | 69.31% | -186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |