Greenville, SC · Charter 22520
NCUA · 9 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 | 0.26% | 0.16% | 0.35% | 0.20% | 0.26% | 0.21% | 0.06% | 0.13% | -7 bps | |
| Return on Equity | 1.90% | 1.12% | 2.55% | 1.47% | 1.89% | 1.64% | 0.45% | 1.02% | -44 bps | |
| Net Interest Margin | 3.88% | 4.09% | 4.23% | 4.24% | 4.38% | 4.16% | 4.06% | 4.07% | -18 bps | |
| Efficiency Ratio | 82.13% | 84.13% | 82.93% | 86.99% | 86.61% | 87.46% | 90.70% | 89.53% | +253 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | -1.94% | -4.89% | -0.63% | -1.25% | 8.64% | 9.27% | 7.61% | +825 bps | |
| Loan Growth (YoY) | 4.16% | 4.74% | 3.87% | 2.31% | 6.31% | 8.64% | 13.55% | 17.28% | +1,497 bps | |
| Share Growth (YoY) | 6.48% | 6.90% | 3.32% | 2.09% | 2.57% | 9.88% | 10.72% | 10.83% | +874 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 1.37% | 1.25% | 1.16% | 1.14% | 0.93% | 0.92% | 0.90% | -26 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 | 13.51% | 13.95% | 13.90% | 13.54% | 13.80% | 13.02% | 12.83% | 12.73% | -81 bps | |
| Net Worth / Assets | 13.51% | 13.95% | 13.90% | 13.54% | 13.80% | 13.02% | 12.83% | 12.73% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.97% | 75.45% | 73.39% | 72.72% | 76.66% | 74.60% | 75.26% | 76.95% | +423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |