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 | |