Florence, SC · Charter 16655
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.24% | -0.14% | 0.14% | 0.31% | 0.33% | -0.40% | -0.25% | -39 bps | |
| Return on Equity | 2.33% | 1.66% | -0.95% | 0.93% | 2.04% | 2.20% | -2.76% | -1.76% | -269 bps | |
| Net Interest Margin | 3.89% | 3.83% | 3.89% | 4.10% | 4.06% | 3.98% | 3.71% | 3.70% | -40 bps | |
| Efficiency Ratio | 88.24% | 90.10% | 90.80% | 87.76% | 87.48% | 89.01% | 107.34% | 104.76% | +1,699 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.89% | -2.27% | -2.80% | -4.33% | -1.52% | 0.33% | 2.46% | 6.26% | +1,059 bps | |
| Loan Growth (YoY) | 0.24% | 0.25% | -2.49% | -5.32% | -5.83% | -4.01% | -0.35% | -0.36% | +496 bps | |
| Share Growth (YoY) | -1.83% | -1.99% | -4.62% | -5.18% | -2.06% | 0.04% | 2.52% | 7.15% | +1,233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 0.72% | 0.38% | 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 | 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 | 14.80% | 14.77% | 14.54% | 15.09% | 15.16% | 14.96% | 14.36% | 14.24% | -85 bps | |
| Net Worth / Assets | 14.80% | 14.77% | 14.54% | 15.09% | 15.16% | 14.96% | 14.36% | 14.24% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.87% | 51.76% | 48.09% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |