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 | |