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 | |