PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Self Memorial Hospital

Greenwood, SC · Charter 17831

NCUA · 1 branch

Q2 2026

$14.0MAssets
$7.6MLoans
$12.6MShares
$1.4MNet 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 0.48%, down 26 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 1.19% of loans (+84 bps YoY).
  • Capital: net worth / assets of 10.00%, up 69 bps from a year ago.
  • Funding: loans stand at 60.58% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%-26 bps YoY

Net Interest Margin (YTD, annualized)

4.56%-13 bps YoY

Efficiency Ratio (YTD, annualized)

89.66%-278 bps YoY

Net Worth / Assets

10.00%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.52%0.64%0.00%0.48%-26 bps
Return on Equity7.98%5.45%6.36%0.00%4.80%-319 bps
Net Interest Margin4.69%4.76%4.87%4.52%4.56%-13 bps
Efficiency Ratio92.44%94.93%91.84%94.01%89.66%-278 bps
Growth
Asset Growth (YoY)-2.32%-2.16%-7.22%-7.08%-2.95%-63 bps
Loan Growth (YoY)-0.72%-8.15%-10.91%-10.12%-9.44%-873 bps
Share Growth (YoY)-2.22%-2.86%-8.51%-8.36%-3.67%-145 bps
Asset Quality
Delinquent Loans / Loans0.36%0.74%0.69%0.53%1.19%+84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.32%9.60%10.03%9.90%10.00%+69 bps
Net Worth / Assets9.32%9.60%10.03%9.90%10.00%+69 bps
Liquidity & Funding
Loans / Shares64.44%62.39%63.25%60.12%60.58%-386 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps