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FHS/SC

Greenville, SC · Charter 17626

NCUA · 1 branch

Q2 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2022, the quarter ended June 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

FHS/SC

Greenville, SC · Charter 17626

NCUA · 1 branch

Q2 2022

$10.9MAssets
$6.3MLoans
$8.5MShares
$2.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.51%, up 44 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.12% of loans (+11 bps YoY).
  • Capital: net worth / assets of 21.66%, up 187 bps from a year ago.
  • Funding: loans stand at 73.18% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

1.51%+44 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+6 bps YoY

Efficiency Ratio (YTD, annualized)

75.60%-253 bps YoY

Net Worth / Assets

21.66%+187 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets1.07%1.16%1.13%1.58%1.51%+44 bps
Return on Equity5.43%5.59%5.38%7.48%6.98%+155 bps
Net Interest Margin4.04%4.12%4.14%4.06%4.11%+6 bps
Efficiency Ratio78.13%78.06%76.32%79.74%75.60%-253 bps
Growth
Asset Growth (YoY)14.54%12.05%11.19%0.66%-2.65%-1,719 bps
Loan Growth (YoY)24.66%21.66%15.97%3.05%-6.67%-3,133 bps
Share Growth (YoY)16.76%13.62%12.82%-0.67%-4.84%-2,160 bps
Asset Quality
Delinquent Loans / Loans0.01%0.01%0.21%0.11%0.12%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.69%0.82%0.67%0.70%+2 bps
Capital
Risk-Based Capital19.79%20.71%21.01%21.12%21.66%+187 bps
Net Worth / Assets19.79%20.71%21.01%21.12%21.66%+187 bps
Liquidity & Funding
Loans / Shares74.61%77.41%77.96%72.03%73.18%-143 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps