Florence, SC · Charter 22530
NCUA · 1 branch
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 | 1.70% | 1.61% | 0.67% | 0.94% | 1.07% | 1.05% | 1.02% | 0.81% | -13 bps | |
| Return on Equity | 7.44% | 6.89% | 2.90% | 4.00% | 4.53% | 4.33% | 4.15% | 3.24% | -75 bps | |
| Net Interest Margin | 4.87% | 4.88% | 4.55% | 4.47% | 4.45% | 4.52% | 4.48% | 4.50% | +3 bps | |
| Efficiency Ratio | 73.24% | 75.06% | 88.86% | 84.25% | 81.52% | 81.98% | 80.10% | 82.69% | -156 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.77% | -2.51% | -1.97% | -1.04% | 1.40% | 0.73% | -0.93% | -1.46% | -42 bps | |
| Loan Growth (YoY) | 10.13% | 13.64% | 19.20% | 17.63% | 16.09% | 15.00% | 6.75% | 7.55% | -1,007 bps | |
| Share Growth (YoY) | -3.95% | -4.85% | -3.19% | -2.15% | 0.38% | -0.40% | -2.86% | -3.29% | -114 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.36% | 0.16% | 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 | 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 | 22.85% | 23.34% | 23.21% | 23.53% | 23.62% | 24.21% | 24.56% | 24.85% | +132 bps | |
| Net Worth / Assets | 22.85% | 23.34% | 23.21% | 23.53% | 23.62% | 24.21% | 24.56% | 24.85% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.03% | 53.22% | 53.82% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |