Anderson, SC · Charter 21508
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
63
Asset Quality
88
Profitability
52
Liquidity
89
Efficiency
48
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.
Anderson, SC · Charter 21508
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 | 0.78% | 0.84% | 0.67% | 0.91% | 0.77% | 0.77% | 0.69% | 0.85% | -6 bps | |
| Return on Equity | 5.84% | 6.06% | 4.90% | 6.78% | 5.71% | 5.37% | 4.85% | 5.95% | -84 bps | |
| Net Interest Margin | 4.55% | 4.59% | 3.95% | 3.76% | 3.81% | 4.04% | 3.77% | 3.83% | +7 bps | |
| Efficiency Ratio | 72.19% | 73.66% | 81.35% | 74.92% | 79.43% | 80.73% | 82.72% | 78.72% | +380 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.45% | -8.79% | -4.49% | -1.59% | 4.93% | 2.12% | 2.19% | -2.03% | -44 bps | |
| Loan Growth (YoY) | 24.96% | 16.61% | 18.96% | 11.53% | 11.16% | 5.97% | -1.77% | -3.08% | -1,461 bps | |
| Share Growth (YoY) | -10.59% | -10.96% | -5.71% | -2.73% | 4.95% | 1.62% | 1.72% | -3.05% | -32 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.08% | 0.09% | 0.05% | 0.02% | 0.05% | 0.08% | 0.08% | +3 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 | 13.35% | 13.91% | 13.72% | 13.36% | 13.48% | 14.34% | 14.13% | 14.29% | +94 bps | |
| Net Worth / Assets | 13.35% | 13.91% | 13.72% | 13.36% | 13.48% | 14.34% | 14.13% | 14.29% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.98% | 72.64% | 75.57% | 71.94% | 73.05% | 75.75% | 72.98% | 71.91% | -3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Anderson, SC · Charter 21508 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.85%
Rank 737 of 1,683
Net Interest Margin
3.82%
Rank 842 of 1,683
Efficiency Ratio
78.83%
Rank 872 of 1,682
Equity / Assets
14.29%
Rank 629 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.35% | 0.74% | 1.18% | Beats 56% | 737 / 1,683 | ||
| Return on Equity | 5.92% | 2.67% | 5.89% | 8.74% | Beats 50% | 835 / 1,681 | ||
| Net Interest Margin | 3.82% | 3.31% | 3.82% | 4.32% | Beats 50% | 842 / 1,683 | ||
| Efficiency Ratio | 78.83% | 68.91% | 78.20% | 86.93% | Beats 48% | 872 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.26% | 0.65% | 1.29% | Beats 88% | 212 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.29% | 10.44% | 12.89% | 16.53% | Beats 63% | 629 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.29% | 10.44% | 12.89% | 16.53% | Beats 63% | 629 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.91% | 52.61% | 69.38% | 83.50% | 55th pctl | 762 / 1,683 | ||
| Loans / Assets | 61.55% | 44.71% | 59.18% | 70.72% | 55th pctl | 749 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||