Florence, SC · Charter 16655
NCUA · 2 branches
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
62
Asset Quality
68
Profitability
20
Liquidity
25
Efficiency
6
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.
Florence, SC · Charter 16655
NCUA · 2 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 | 0.14% | 0.31% | 0.33% | -0.40% | -0.25% | -39 bps | |
| Return on Equity | 0.93% | 2.04% | 2.20% | -2.76% | -1.76% | -269 bps | |
| Net Interest Margin | 4.10% | 4.06% | 3.98% | 3.71% | 3.70% | -40 bps | |
| Efficiency Ratio | 87.76% | 87.48% | 89.01% | 107.34% | 104.76% | +1,699 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.33% | -1.52% | 0.33% | 2.46% | 6.26% | +1,059 bps | |
| Loan Growth (YoY) | -5.32% | -5.83% | -4.01% | -0.35% | -0.36% | +496 bps | |
| Share Growth (YoY) | -5.18% | -2.06% | 0.04% | 2.52% | 7.15% | +1,233 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.14% | 0.13% | 0.00% | 0.36% | -18 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 | 15.09% | 15.16% | 14.96% | 14.36% | 14.24% | -85 bps | |
| Net Worth / Assets | 15.09% | 15.16% | 14.96% | 14.36% | 14.24% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.73% | 49.87% | 49.66% | 46.74% | 46.25% | -349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Florence, SC · Charter 16655 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.25%
Rank 1,547 of 1,683
Net Interest Margin
3.70%
Rank 939 of 1,683
Efficiency Ratio
104.67%
Rank 1,587 of 1,682
Equity / Assets
14.24%
Rank 635 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,547 / 1,683 | |
| Return on Equity | -1.79% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,546 / 1,681 | |
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 939 / 1,683 | |
| Efficiency Ratio | 104.67% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,587 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.26% | 0.65% | 1.29% | Beats 68% | 536 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.24% | 10.44% | 12.89% | 16.53% | Beats 62% | 635 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.24% | 10.44% | 12.89% | 16.53% | Beats 62% | 635 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.24% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,384 / 1,683 | |
| Loans / Assets | 39.58% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,374 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||