Florence, SC · Charter 19619
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
76
Asset Quality
76
Profitability
51
Liquidity
11
Efficiency
88
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.
Florence, SC · Charter 19619
NCUA · 1 branch
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 | 2.68% | 1.48% | 2.10% | 1.78% | 1.93% | -1.75% | 0.98% | 1.20% | -58 bps | |
| Return on Equity | 17.89% | 9.81% | 13.31% | 10.88% | 11.24% | -10.55% | 5.85% | 7.13% | -375 bps | |
| Net Interest Margin | 3.83% | 3.15% | 4.12% | 3.48% | 3.56% | -0.14% | 3.08% | 3.01% | -46 bps | |
| Efficiency Ratio | 30.69% | 41.11% | 49.68% | 49.49% | 46.56% | n/a | 69.06% | 60.95% | +1,146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.61% | -1.79% | -2.16% | -2.54% | -4.32% | -5.89% | -4.32% | -1.74% | +80 bps | |
| Loan Growth (YoY) | -3.41% | -2.01% | 2.27% | 6.81% | -0.93% | 6.33% | 0.44% | -4.86% | -1,167 bps | |
| Share Growth (YoY) | -8.30% | -3.37% | -4.68% | -4.76% | -6.74% | -7.52% | -5.33% | -2.27% | +249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.00% | 0.00% | 0.60% | 0.00% | 0.00% | 0.19% | 0.20% | -40 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 | 1.82% | 1.13% | 1.06% | 1.04% | 1.20% | 1.21% | 1.24% | 1.31% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.00% | 15.09% | 15.81% | 16.38% | 17.15% | 16.57% | 16.69% | 16.83% | +45 bps | |
| Net Worth / Assets | 15.00% | 15.09% | 15.81% | 16.38% | 17.15% | 16.57% | 16.69% | 16.83% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.68% | 37.82% | 41.10% | 43.23% | 42.16% | 43.49% | 43.60% | 42.08% | -115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Florence, SC · Charter 19619 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.21%
Rank 395 of 1,683
Net Interest Margin
3.03%
Rank 1,443 of 1,683
Efficiency Ratio
61.11%
Rank 204 of 1,682
Equity / Assets
16.81%
Rank 400 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.35% | 0.74% | 1.18% | Beats 77% | 395 / 1,683 | ||
| Return on Equity | 7.20% | 2.67% | 5.89% | 8.74% | Beats 63% | 624 / 1,681 | ||
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,443 / 1,683 | ||
| Efficiency Ratio | 61.11% | 68.91% | 78.20% | 86.93% | Beats 88% | 204 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 405 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.81% | 10.44% | 12.89% | 16.53% | Beats 76% | 400 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.81% | 10.44% | 12.89% | 16.53% | Beats 76% | 400 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.10% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,465 / 1,683 | ||
| Loans / Assets | 35.00% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,468 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||