Spartanburg, SC · Charter 24536
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
90
Profitability
69
Liquidity
82
Efficiency
56
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.
Spartanburg, SC · Charter 24536
NCUA · 1 branch
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.42% | 1.52% | 1.10% | 1.15% | -25 bps | |
| Return on Equity | 9.34% | 9.18% | 9.38% | 6.76% | 6.76% | -258 bps | |
| Net Interest Margin | 4.45% | 4.55% | 4.70% | 4.45% | 4.60% | +15 bps | |
| Efficiency Ratio | 73.97% | 73.47% | 72.36% | 75.26% | 75.04% | +107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.37% | -2.72% | -3.22% | -2.43% | -4.22% | -184 bps | |
| Loan Growth (YoY) | -12.48% | -14.51% | -15.16% | -16.02% | -16.79% | -431 bps | |
| Share Growth (YoY) | -5.23% | -4.56% | -4.75% | -3.56% | -5.81% | -57 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.26% | 0.18% | 0.08% | 0.03% | -6 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 | 14.90% | 15.43% | 16.26% | 16.24% | 16.94% | +204 bps | |
| Net Worth / Assets | 14.90% | 15.43% | 16.26% | 16.24% | 16.94% | +204 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.37% | 81.78% | 81.11% | 75.44% | 75.41% | -996 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spartanburg, SC · Charter 24536 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
Return on Assets
1.15%
Rank 498 of 1,659
Net Interest Margin
4.60%
Rank 275 of 1,658
Efficiency Ratio
75.07%
Rank 731 of 1,656
Equity / Assets
16.93%
Rank 363 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 0.35% | 0.78% | 1.25% | Beats 70% | 498 / 1,659 | |
| Return on Equity | 6.77% | 2.75% | 6.06% | 9.41% | Beats 55% | 745 / 1,657 | |
| Net Interest Margin | 4.60% | 3.20% | 3.76% | 4.33% | Beats 83% | 275 / 1,658 | |
| Efficiency Ratio | 75.07% | 67.69% | 77.34% | 85.79% | Beats 56% | 731 / 1,656 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.24% | 0.65% | 1.35% | Beats 90% | 164 / 1,657 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.94% | 10.20% | 12.57% | 16.16% | Beats 78% | 364 / 1,659 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.93% | 10.20% | 12.57% | 16.15% | Beats 78% | 363 / 1,658 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.41% | 54.91% | 71.55% | 84.72% | 58th pctl | 697 / 1,658 | |
| Loans / Assets | 62.30% | 46.17% | 60.56% | 71.91% | 54th pctl | 760 / 1,658 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||