Abbeville, SC · Charter 20824
NCUA · 3 branches
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
94
Asset Quality
7
Profitability
70
Liquidity
48
Efficiency
51
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.
Abbeville, SC · Charter 20824
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.07% | 1.94% | 1.71% | 1.39% | 1.17% | -90 bps | |
| Return on Equity | 8.04% | 7.36% | 6.49% | 5.39% | 4.61% | -343 bps | |
| Net Interest Margin | 5.87% | 5.95% | 5.93% | 5.62% | 5.45% | -41 bps | |
| Efficiency Ratio | 71.03% | 71.92% | 72.62% | 78.08% | 77.79% | +676 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.45% | 5.91% | 3.97% | 3.27% | 6.17% | -227 bps | |
| Loan Growth (YoY) | 9.01% | 8.43% | 7.33% | 2.51% | 0.30% | -871 bps | |
| Share Growth (YoY) | 7.44% | 4.05% | 3.52% | 2.78% | 7.25% | -19 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.80% | 2.19% | 3.57% | 1.03% | 3.23% | +143 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.78% | 26.36% | 26.29% | 25.82% | 25.39% | -39 bps | |
| Net Worth / Assets | 25.78% | 26.36% | 26.29% | 25.82% | 25.39% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.28% | 58.69% | 57.71% | 55.79% | 53.56% | -371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Abbeville, SC · Charter 20824 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.17%
Rank 427 of 1,683
Net Interest Margin
5.45%
Rank 78 of 1,683
Efficiency Ratio
77.81%
Rank 823 of 1,682
Equity / Assets
25.39%
Rank 93 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 0.35% | 0.74% | 1.18% | Beats 75% | 427 / 1,683 | |
| Return on Equity | 4.60% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,001 / 1,681 | |
| Net Interest Margin | 5.45% | 3.31% | 3.82% | 4.32% | Beats 95% | 78 / 1,683 | |
| Efficiency Ratio | 77.81% | 68.91% | 78.20% | 86.93% | Beats 51% | 823 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.23% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,568 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.39% | 10.44% | 12.89% | 16.53% | Beats 94% | 93 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.39% | 10.44% | 12.89% | 16.53% | Beats 94% | 93 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.56% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,246 / 1,683 | |
| Loans / Assets | 39.47% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,376 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||