Orangeburg, SC · Charter 18423
NCUA · 1 branch
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
79
Asset Quality
1
Profitability
27
Liquidity
57
Efficiency
31
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.
Orangeburg, SC · Charter 18423
NCUA · 1 branch
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 | 1.17% | 1.03% | 0.85% | 0.51% | -0.76% | -193 bps | |
| Return on Equity | 6.24% | 5.34% | 4.37% | 2.73% | -4.30% | -1,054 bps | |
| Net Interest Margin | 4.73% | 4.96% | 4.94% | 4.19% | 4.21% | -51 bps | |
| Efficiency Ratio | 76.60% | 72.09% | 77.36% | 88.27% | 84.38% | +778 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.53% | 2.60% | -0.10% | 3.31% | 5.03% | -250 bps | |
| Loan Growth (YoY) | -4.72% | 1.71% | -2.81% | -3.06% | -4.07% | +65 bps | |
| Share Growth (YoY) | 7.77% | 2.81% | -0.66% | 3.25% | 6.52% | -125 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.16% | 4.44% | 5.00% | 4.48% | 7.50% | +634 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.80% | 1.89% | 2.03% | 2.48% | +114 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.74% | 19.23% | 19.45% | 18.74% | 17.70% | -105 bps | |
| Net Worth / Assets | 18.74% | 19.23% | 19.45% | 18.74% | 17.70% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.40% | 65.61% | 65.02% | 59.08% | 56.20% | -620 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Orangeburg, SC · Charter 18423 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.77%
Rank 1,594 of 1,683
Net Interest Margin
4.22%
Rank 491 of 1,683
Efficiency Ratio
84.40%
Rank 1,160 of 1,682
Equity / Assets
17.69%
Rank 346 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,594 / 1,683 | |
| Return on Equity | -4.36% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,586 / 1,681 | |
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 491 / 1,683 | |
| Efficiency Ratio | 84.40% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,160 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.49% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,662 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.69% | 10.44% | 12.89% | 16.53% | Beats 79% | 346 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.69% | 10.44% | 12.89% | 16.53% | Beats 79% | 346 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.21% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,184 / 1,683 | |
| Loans / Assets | 45.74% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,237 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||