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 | |