Lancaster, SC · Charter 24063
NCUA · 46 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 | 1.31% | 1.28% | 1.26% | 1.34% | 1.31% | 1.28% | 1.29% | 1.43% | +9 bps | |
| Return on Equity | 10.54% | 10.03% | 9.90% | 10.21% | 9.86% | 9.70% | 9.70% | 10.47% | +26 bps | |
| Net Interest Margin | 3.80% | 3.97% | 3.97% | 4.13% | 4.16% | 4.24% | 4.25% | 4.35% | +22 bps | |
| Efficiency Ratio | 58.48% | 59.80% | 59.68% | 60.65% | 61.92% | 63.08% | 60.41% | 60.03% | -62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.28% | 4.99% | 2.98% | 1.65% | 3.50% | 6.82% | 6.47% | 6.66% | +501 bps | |
| Loan Growth (YoY) | 5.29% | 4.96% | 4.88% | 5.14% | 6.05% | 6.22% | 7.16% | 7.27% | +213 bps | |
| Share Growth (YoY) | 9.92% | 9.77% | 6.27% | 4.55% | 5.64% | 5.79% | 5.64% | 5.82% | +128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.75% | 0.68% | 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 | 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 | 12.45% | 12.72% | 12.77% | 13.08% | 13.29% | 13.20% | 13.28% | 13.62% | +53 bps | |
| Net Worth / Assets | 12.45% | 12.72% | 12.77% | 13.08% | 13.29% | 13.20% | 13.28% | 13.62% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.38% | 92.53% | 90.81% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |