Greenwood, SC · Charter 21628
NCUA · 2 branches
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 | -0.10% | 0.21% | 1.53% | 1.39% | 1.38% | 1.12% | 0.50% | 0.12% | -127 bps | |
| Return on Equity | -1.05% | 2.26% | 15.91% | 13.90% | 13.27% | 10.32% | 4.54% | 1.05% | -1,285 bps | |
| Net Interest Margin | 3.96% | 3.93% | 4.10% | 4.12% | 4.25% | 4.43% | 4.40% | 4.43% | +31 bps | |
| Efficiency Ratio | 85.20% | 82.56% | 68.70% | 73.93% | 74.81% | 78.29% | 86.87% | 89.14% | +1,521 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 1.37% | 1.18% | 2.38% | 1.92% | -3.88% | -6.01% | -5.88% | -826 bps | |
| Loan Growth (YoY) | 2.37% | 1.96% | 3.54% | 5.14% | 6.28% | 4.01% | 2.78% | 0.95% | -418 bps | |
| Share Growth (YoY) | 2.85% | 1.05% | -0.05% | 0.42% | -1.27% | -7.55% | -6.81% | -6.99% | -741 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.28% | 0.09% | 0.20% | 0.33% | 0.34% | 0.36% | 0.42% | +22 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 | 9.33% | 9.41% | 9.63% | 9.98% | 10.43% | 10.87% | 11.04% | 11.01% | +103 bps | |
| Net Worth / Assets | 9.33% | 9.41% | 9.63% | 9.98% | 10.43% | 10.87% | 11.04% | 11.01% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.76% | 58.53% | 60.93% | 62.80% | 63.25% | 65.85% | 67.20% | 68.16% | +536 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |