PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Spartanburg Regional

Spartanburg, SC · Charter 24536

NCUA · 1 branch

Q2 2025

$56.2MAssets
$35.0MLoans
$46.4MShares
$9.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.15%, down 25 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.03% of loans (-6 bps YoY).
  • Capital: net worth / assets of 16.94%, up 204 bps from a year ago.
  • Funding: loans stand at 75.41% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

1.15%-25 bps YoY

Net Interest Margin (YTD, annualized)

4.60%+15 bps YoY

Efficiency Ratio (YTD, annualized)

75.04%+107 bps YoY

Net Worth / Assets

16.94%+204 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.39%1.42%1.52%1.10%1.15%-25 bps
Return on Equity9.34%9.18%9.38%6.76%6.76%-258 bps
Net Interest Margin4.45%4.55%4.70%4.45%4.60%+15 bps
Efficiency Ratio73.97%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 / Loans0.09%0.26%0.18%0.08%0.03%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.90%15.43%16.26%16.24%16.94%+204 bps
Net Worth / Assets14.90%15.43%16.26%16.24%16.94%+204 bps
Liquidity & Funding
Loans / Shares85.37%81.78%81.11%75.44%75.41%-996 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps