Orangeburg, SC · Charter 18423
NCUA · 1 branch
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 | 1.61% | 1.16% | -0.41% | 1.17% | 1.03% | 0.85% | 0.51% | -0.76% | -193 bps | |
| Return on Equity | 8.51% | 6.25% | -2.22% | 6.24% | 5.34% | 4.37% | 2.73% | -4.30% | -1,054 bps | |
| Net Interest Margin | 4.86% | 4.97% | 3.08% | 4.73% | 4.96% | 4.94% | 4.19% | 4.21% | -51 bps | |
| Efficiency Ratio | 78.72% | 82.48% | 112.19% | 76.60% | 72.09% | 77.36% | 88.27% | 84.38% | +778 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.80% | 16.12% | 8.11% | 7.53% | 2.60% | -0.10% | 3.31% | 5.03% | -250 bps | |
| Loan Growth (YoY) | -3.25% | 1.39% | -5.17% | -4.72% | 1.71% | -2.81% | -3.06% | -4.07% | +65 bps | |
| Share Growth (YoY) | 15.87% | 17.97% | 8.53% | 7.77% | 2.81% | -0.66% | 3.25% | 6.52% | -125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 1.92% | 1.51% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.49% | 1.69% | 1.56% | 1.34% | 1.80% | 1.89% | 2.03% | 2.48% | +114 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.91% | 18.58% | 18.29% | 18.74% | 19.23% | 19.45% | 18.74% | 17.70% | -105 bps | |
| Net Worth / Assets | 18.91% | 18.58% | 18.29% | 18.74% | 19.23% | 19.45% | 18.74% | 17.70% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.32% | 66.46% | 62.92% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |