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 | |