Florence, SC · Charter 24491
NCUA · 2 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
89
Asset Quality
15
Profitability
85
Liquidity
32
Efficiency
86
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.
Florence, SC · Charter 24491
NCUA · 2 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 | 1.85% | 1.88% | 1.97% | 1.90% | 1.66% | -18 bps | |
| Return on Equity | 9.28% | 9.33% | 9.39% | 9.18% | 7.92% | -136 bps | |
| Net Interest Margin | 5.31% | 5.34% | 5.52% | 5.34% | 5.43% | +12 bps | |
| Efficiency Ratio | 64.40% | 64.31% | 63.77% | 62.91% | 62.69% | -171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.93% | 8.70% | 2.78% | 1.91% | 3.15% | -378 bps | |
| Loan Growth (YoY) | 2.72% | 7.78% | 10.69% | 10.64% | 10.58% | +786 bps | |
| Share Growth (YoY) | 6.20% | 8.52% | 0.84% | -0.06% | 1.67% | -453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.03% | 1.88% | 2.45% | 1.79% | 1.89% | -14 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 | 19.90% | 20.14% | 21.03% | 20.75% | 21.01% | +112 bps | |
| Net Worth / Assets | 19.90% | 20.14% | 21.03% | 20.75% | 21.01% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.92% | 80.26% | 84.37% | 82.16% | 84.75% | +683 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Florence, SC · Charter 24491 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.66%
Rank 175 of 1,683
Net Interest Margin
5.43%
Rank 84 of 1,683
Efficiency Ratio
62.68%
Rank 237 of 1,682
Equity / Assets
21.01%
Rank 184 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 0.35% | 0.74% | 1.18% | Beats 90% | 175 / 1,683 | |
| Return on Equity | 7.91% | 2.67% | 5.89% | 8.74% | Beats 69% | 523 / 1,681 | |
| Net Interest Margin | 5.43% | 3.31% | 3.82% | 4.32% | Beats 95% | 84 / 1,683 | |
| Efficiency Ratio | 62.68% | 68.91% | 78.20% | 86.93% | Beats 86% | 237 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.90% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,429 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.01% | 10.44% | 12.89% | 16.53% | Beats 89% | 184 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.01% | 10.44% | 12.89% | 16.53% | Beats 89% | 184 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.75% | 52.61% | 69.38% | 83.50% | 77th pctl | 381 / 1,683 | |
| Loans / Assets | 66.75% | 44.71% | 59.18% | 70.72% | 66th pctl | 573 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||