Anderson, SC · Charter 24484
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
75
Profitability
40
Liquidity
83
Efficiency
9
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Anderson, SC · Charter 24484
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.78% | 0.60% | -0.97% | 0.08% | -73 bps | |
| Return on Equity | 7.98% | 7.74% | 5.98% | -10.57% | 0.85% | -713 bps | |
| Net Interest Margin | 4.81% | 4.84% | 4.87% | 4.75% | 4.88% | +8 bps | |
| Efficiency Ratio | 88.35% | 87.49% | 90.01% | 112.70% | 97.69% | +935 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.30% | -4.50% | 1.26% | 9.88% | 9.85% | +1,215 bps | |
| Loan Growth (YoY) | 6.29% | 5.07% | 4.07% | 2.32% | 1.66% | -462 bps | |
| Share Growth (YoY) | 14.51% | 11.05% | 8.68% | 9.73% | 9.20% | -531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.24% | 0.46% | 0.26% | 0.26% | -4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.13% | 10.14% | 10.01% | 9.18% | 9.43% | -69 bps | |
| Net Worth / Assets | 10.13% | 10.14% | 10.01% | 9.18% | 9.43% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.69% | 77.88% | 76.27% | 72.14% | 73.27% | -543 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Anderson, SC · Charter 24484 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.08%
Rank 1,453 of 1,683
Net Interest Margin
4.88%
Rank 174 of 1,683
Efficiency Ratio
97.69%
Rank 1,538 of 1,682
Equity / Assets
9.43%
Rank 1,438 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,453 / 1,683 | |
| Return on Equity | 0.86% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,435 / 1,681 | |
| Net Interest Margin | 4.88% | 3.31% | 3.82% | 4.32% | Beats 90% | 174 / 1,683 | |
| Efficiency Ratio | 97.69% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,538 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 75% | 416 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.43% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,438 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.43% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,438 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.27% | 52.61% | 69.38% | 83.50% | 57th pctl | 717 / 1,683 | |
| Loans / Assets | 66.01% | 44.71% | 59.18% | 70.72% | 64th pctl | 601 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||