North Augusta, SC · Charter 24410
NCUA · 21 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 | 1.61% | 1.32% | 1.22% | 1.49% | 1.64% | 1.39% | 1.22% | 1.34% | -16 bps | |
| Return on Equity | 11.73% | 9.97% | 9.47% | 11.26% | 11.92% | 10.33% | 9.06% | 9.70% | -156 bps | |
| Net Interest Margin | 4.57% | 4.22% | 4.44% | 4.53% | 4.63% | 4.31% | 4.52% | 4.57% | +4 bps | |
| Efficiency Ratio | 64.72% | 67.41% | 66.77% | 64.25% | 64.20% | 65.30% | 68.95% | 67.92% | +366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.66% | 11.09% | 9.79% | 11.10% | 10.36% | 9.53% | 5.78% | 5.69% | -541 bps | |
| Loan Growth (YoY) | 10.86% | 11.88% | 14.60% | 16.00% | 22.75% | 15.76% | 13.38% | 12.46% | -354 bps | |
| Share Growth (YoY) | 4.84% | 11.13% | 9.45% | 10.64% | 10.33% | 7.18% | 5.62% | 5.31% | -533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.76% | 0.68% | 0.70% | 0.78% | 1.04% | 1.17% | 0.74% | +4 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 | 13.71% | 13.27% | 12.89% | 13.26% | 13.72% | 13.42% | 13.49% | 13.79% | +53 bps | |
| Net Worth / Assets | 13.71% | 13.27% | 12.89% | 13.26% | 13.72% | 13.42% | 13.49% | 13.79% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.61% | 75.73% | 74.85% | 76.71% | 83.01% | 81.79% | 80.35% | 81.92% | +521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |