Fort Mill, SC · Charter 22458
NCUA · 18 branches
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% | -0.78% | -1.04% | -0.76% | -0.60% | -1.13% | -0.23% | -0.23% | +52 bps | |
| Return on Equity | -9.02% | -9.00% | -12.13% | -8.65% | -6.97% | -15.04% | -3.04% | -3.06% | +560 bps | |
| Net Interest Margin | 2.15% | 2.29% | 2.32% | 2.48% | 2.50% | 2.50% | 2.63% | 2.69% | +20 bps | |
| Efficiency Ratio | 112.78% | 110.47% | 110.54% | 103.26% | 101.53% | 112.97% | 96.71% | 96.70% | -657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.13% | -12.61% | -13.64% | -12.97% | -9.13% | -2.65% | -2.81% | -1.49% | +1,148 bps | |
| Loan Growth (YoY) | -19.55% | -12.37% | -11.14% | -11.30% | -5.86% | 0.28% | -0.23% | -0.55% | +1,076 bps | |
| Share Growth (YoY) | -6.06% | -6.68% | -8.87% | -7.33% | -5.46% | -5.61% | -2.54% | 0.27% | +760 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 1.86% | 1.73% | 1.93% | 1.40% | 1.39% | 1.13% | 1.18% | -75 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 | 8.69% | 8.72% | 8.60% | 8.75% | 8.60% | 7.49% | 7.56% | 7.63% | -112 bps | |
| Net Worth / Assets | 8.69% | 8.72% | 8.60% | 8.75% | 8.60% | 7.49% | 7.56% | 7.63% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.73% | 82.90% | 81.92% | 80.93% | 84.38% | 88.07% | 83.86% | 80.28% | -66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |