PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Caro

Columbia, SC · Charter 24404

NCUA · 4 branches

Q2 2026

$174.9MAssets
$109.9MLoans
$149.7MShares
$27.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.32%, down 28 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.88% of loans (+7 bps YoY).
  • Capital: net worth / assets of 15.41%, down 47 bps from a year ago.
  • Funding: loans stand at 73.40% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.32%-28 bps YoY

Net Interest Margin (quarter, annualized)

4.24%-19 bps YoY

Efficiency Ratio (quarter, annualized)

93.46%+898 bps YoY

Net Worth / Assets

15.41%-47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.47%0.27%0.28%0.32%-28 bps
Return on Equity3.77%2.92%1.74%1.82%2.06%-171 bps
Net Interest Margin4.43%4.45%4.39%4.15%4.24%-19 bps
Efficiency Ratio84.48%87.10%89.62%93.29%93.46%+898 bps
Growth
Asset Growth (YoY)-3.39%-6.32%-3.16%23.07%38.84%+4,223 bps
Loan Growth (YoY)-0.17%-4.99%-6.86%0.29%25.12%+2,529 bps
Share Growth (YoY)-1.15%5.63%5.36%30.46%47.02%+4,817 bps
Asset Quality
Delinquent Loans / Loans0.81%0.77%0.97%0.79%0.88%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.88%16.07%15.79%15.39%15.41%-47 bps
Net Worth / Assets15.88%16.07%15.79%15.39%15.41%-47 bps
Liquidity & Funding
Loans / Shares86.24%80.72%78.56%67.07%73.40%-1,284 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps