Columbia, SC · Charter 24404
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.60% | 0.70% | 0.60% | 0.47% | 0.27% | 0.28% | 0.32% | -28 bps | |
| Return on Equity | 3.32% | 3.94% | 4.45% | 3.77% | 2.92% | 1.74% | 1.82% | 2.06% | -171 bps | |
| Net Interest Margin | 4.01% | 4.15% | 4.42% | 4.43% | 4.45% | 4.39% | 4.15% | 4.24% | -19 bps | |
| Efficiency Ratio | 87.62% | 85.98% | 82.66% | 84.48% | 87.10% | 89.62% | 93.29% | 93.46% | +898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.34% | 4.92% | -4.32% | -3.39% | -6.32% | -3.16% | 23.07% | 38.84% | +4,223 bps | |
| Loan Growth (YoY) | 4.06% | 2.76% | 2.72% | -0.17% | -4.99% | -6.86% | 0.29% | 25.12% | +2,529 bps | |
| Share Growth (YoY) | 0.84% | 1.31% | -2.15% | -1.15% | 5.63% | 5.36% | 30.46% | 47.02% | +4,817 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.56% | 0.42% | 0.81% | 0.77% | 0.97% | 0.79% | 0.88% | +7 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 | 14.59% | 15.11% | 15.66% | 15.88% | 16.07% | 15.79% | 15.39% | 15.41% | -47 bps | |
| Net Worth / Assets | 14.59% | 15.11% | 15.66% | 15.88% | 16.07% | 15.79% | 15.39% | 15.41% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.75% | 88.87% | 87.25% | 86.24% | 80.72% | 78.56% | 67.07% | 73.40% | -1,284 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |