Anderson, SC · Charter 21508
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |