Florence, SC · Charter 22530
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
94
Asset Quality
67
Profitability
55
Liquidity
78
Efficiency
37
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.
Florence, SC · Charter 22530
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.07% | 1.05% | 1.02% | 0.81% | -13 bps | |
| Return on Equity | 4.00% | 4.53% | 4.33% | 4.15% | 3.24% | -75 bps | |
| Net Interest Margin | 4.47% | 4.45% | 4.52% | 4.48% | 4.50% | +3 bps | |
| Efficiency Ratio | 84.25% | 81.52% | 81.98% | 80.10% | 82.69% | -156 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.04% | 1.40% | 0.73% | -0.93% | -1.46% | -42 bps | |
| Loan Growth (YoY) | 17.63% | 16.09% | 15.00% | 6.75% | 7.55% | -1,007 bps | |
| Share Growth (YoY) | -2.15% | 0.38% | -0.40% | -2.86% | -3.29% | -114 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.01% | 0.41% | 0.41% | 0.39% | -4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.53% | 23.62% | 24.21% | 24.56% | 24.85% | +132 bps | |
| Net Worth / Assets | 23.53% | 23.62% | 24.21% | 24.56% | 24.85% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.31% | 57.86% | 61.45% | 59.14% | 62.62% | +631 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Florence, SC · Charter 22530 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.81%
Rank 776 of 1,683
Net Interest Margin
4.50%
Rank 330 of 1,683
Efficiency Ratio
82.66%
Rank 1,066 of 1,682
Equity / Assets
24.85%
Rank 104 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 776 / 1,683 | |
| Return on Equity | 3.25% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,182 / 1,681 | |
| Net Interest Margin | 4.50% | 3.31% | 3.82% | 4.32% | Beats 80% | 330 / 1,683 | |
| Efficiency Ratio | 82.66% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,066 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 67% | 562 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.85% | 10.44% | 12.89% | 16.53% | Beats 94% | 104 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.85% | 10.44% | 12.89% | 16.53% | Beats 94% | 104 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.62% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,030 / 1,683 | |
| Loans / Assets | 46.62% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,211 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||