PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

SRP

North Augusta, SC · Charter 24410

NCUA · 21 branches

Q2 2026

$2.1BAssets
$1.5BLoans
$1.8BShares
$287.8MNet 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 1.34%, down 16 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 0.74% of loans (+4 bps YoY).
  • Capital: net worth / assets of 13.79%, up 53 bps from a year ago.
  • Funding: loans stand at 81.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.34%-16 bps YoY

Net Interest Margin (YTD, annualized)

4.57%+4 bps YoY

Efficiency Ratio (YTD, annualized)

67.92%+366 bps YoY

Net Worth / Assets

13.79%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.64%1.39%1.22%1.34%-16 bps
Return on Equity11.26%11.92%10.33%9.06%9.70%-156 bps
Net Interest Margin4.53%4.63%4.31%4.52%4.57%+4 bps
Efficiency Ratio64.25%64.20%65.30%68.95%67.92%+366 bps
Growth
Asset Growth (YoY)11.10%10.36%9.53%5.78%5.69%-541 bps
Loan Growth (YoY)16.00%22.75%15.76%13.38%12.46%-354 bps
Share Growth (YoY)10.64%10.33%7.18%5.62%5.31%-533 bps
Asset Quality
Delinquent Loans / Loans0.70%0.78%1.04%1.17%0.74%+4 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 Capital13.26%13.72%13.42%13.49%13.79%+53 bps
Net Worth / Assets13.26%13.72%13.42%13.49%13.79%+53 bps
Liquidity & Funding
Loans / Shares76.71%83.01%81.79%80.35%81.92%+521 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps