Lancaster, SC · Charter 24063
NCUA · 46 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
51
Profitability
88
Liquidity
58
Efficiency
87
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.
Lancaster, SC · Charter 24063
NCUA · 46 branches
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 | 1.34% | 1.31% | 1.28% | 1.29% | 1.43% | +9 bps | |
| Return on Equity | 10.21% | 9.86% | 9.70% | 9.70% | 10.47% | +26 bps | |
| Net Interest Margin | 4.13% | 4.16% | 4.24% | 4.25% | 4.35% | +22 bps | |
| Efficiency Ratio | 60.65% | 61.92% | 63.08% | 60.41% | 60.03% | -62 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.65% | 3.50% | 6.82% | 6.47% | 6.66% | +501 bps | |
| Loan Growth (YoY) | 5.14% | 6.05% | 6.22% | 7.16% | 7.27% | +213 bps | |
| Share Growth (YoY) | 4.55% | 5.64% | 5.79% | 5.64% | 5.82% | +128 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.77% | 0.90% | 0.70% | 0.68% | -2 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 | 13.08% | 13.29% | 13.20% | 13.28% | 13.62% | +53 bps | |
| Net Worth / Assets | 13.08% | 13.29% | 13.20% | 13.28% | 13.62% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.96% | 93.74% | 92.91% | 92.12% | 94.23% | +127 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lancaster, SC · Charter 24063 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 46 branches
Q2 2026
Return on Assets
1.43%
Rank 46 of 435
Net Interest Margin
4.35%
Rank 21 of 435
Efficiency Ratio
60.03%
Rank 57 of 435
Equity / Assets
13.62%
Rank 66 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 0.55% | 0.81% | 1.14% | Beats 89% | 46 / 435 | |
| Return on Equity | 10.47% | 5.12% | 7.41% | 9.70% | Beats 81% | 82 / 435 | |
| Net Interest Margin | 4.35% | 3.01% | 3.39% | 3.75% | Beats 95% | 21 / 435 | |
| Efficiency Ratio | 60.03% | 65.25% | 71.39% | 77.86% | Beats 87% | 57 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.68% | 0.45% | 0.69% | 1.05% | Beats 51% | 216 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.62% | 9.81% | 10.84% | 12.63% | Beats 85% | 66 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.62% | 9.81% | 10.84% | 12.63% | Beats 85% | 66 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.23% | 78.33% | 88.38% | 95.61% | 71st pctl | 124 / 435 | |
| Loans / Assets | 80.02% | 67.69% | 74.58% | 80.80% | 70th pctl | 130 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||