Greenwood, SC · Charter 19047
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 | 0.77% | 0.73% | 0.45% | 0.43% | 0.47% | 0.44% | 0.31% | 0.35% | -8 bps | |
| Return on Equity | 8.72% | 8.17% | 5.47% | 5.02% | 5.40% | 5.23% | 4.02% | 4.23% | -79 bps | |
| Net Interest Margin | 5.10% | 5.13% | 4.81% | 4.94% | 4.99% | 4.79% | 4.56% | 4.93% | -1 bps | |
| Efficiency Ratio | 86.28% | 86.15% | 91.69% | 90.51% | 90.29% | 90.73% | 93.83% | 92.61% | +210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.80% | -1.41% | 6.65% | 6.01% | 7.03% | 12.74% | 11.69% | 7.29% | +128 bps | |
| Loan Growth (YoY) | 9.37% | 12.72% | 10.21% | 9.40% | 8.07% | -2.59% | -4.73% | -8.62% | -1,801 bps | |
| Share Growth (YoY) | -3.96% | -2.36% | 6.81% | 6.14% | 7.23% | 13.75% | 12.38% | 7.58% | +144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.56% | 0.00% | 0.00% | 0.17% | 0.01% | 0.00% | 0.00% | 0 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 | 0.57% | 0.62% | 0.56% | 0.63% | 0.43% | 0.47% | 0.39% | 0.00% | -63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.81% | 8.98% | 8.30% | 8.57% | 8.73% | 8.41% | 7.81% | 8.39% | -18 bps | |
| Net Worth / Assets | 8.81% | 8.98% | 8.30% | 8.57% | 8.73% | 8.41% | 7.81% | 8.39% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.09% | 96.69% | 86.43% | 90.97% | 89.79% | 82.80% | 73.28% | 77.28% | -1,370 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |