Greenville, SC · Charter 19116
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.97% | 1.05% | 0.93% | 0.97% | 1.01% | 1.04% | 0.94% | +1 bps | |
| Return on Equity | 9.20% | 9.33% | 9.83% | 8.64% | 8.86% | 9.25% | 9.58% | 8.48% | -16 bps | |
| Net Interest Margin | 3.42% | 3.37% | 3.54% | 3.52% | 3.61% | 3.60% | 3.63% | 3.66% | +14 bps | |
| Efficiency Ratio | 78.04% | 76.86% | 76.42% | 77.76% | 77.16% | 76.05% | 76.50% | 78.38% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.39% | 8.50% | 6.68% | 6.26% | 4.22% | 3.85% | 6.95% | 6.01% | -25 bps | |
| Loan Growth (YoY) | -2.41% | -0.46% | -0.06% | 2.18% | 5.90% | 5.64% | 6.14% | 8.88% | +669 bps | |
| Share Growth (YoY) | 5.87% | 8.77% | 9.31% | 8.89% | 6.45% | 5.61% | 6.74% | 5.71% | -318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.84% | 0.56% | 0.82% | 0.71% | 0.59% | 0.31% | 0.50% | -32 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.47% | 10.43% | 10.66% | 10.74% | 10.93% | 10.94% | 10.86% | 11.03% | +29 bps | |
| Net Worth / Assets | 10.47% | 10.43% | 10.66% | 10.74% | 10.93% | 10.94% | 10.86% | 11.03% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.04% | 81.68% | 79.61% | 79.12% | 82.62% | 81.70% | 79.16% | 81.50% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |