Spartanburg, SC · Charter 24536
NCUA · 1 branch
Q2 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.78% | 1.17% | 1.39% | 1.42% | 1.52% | 1.10% | 1.15% | -25 bps | |
| Return on Equity | 10.70% | 12.45% | 8.15% | 9.34% | 9.18% | 9.38% | 6.76% | 6.76% | -258 bps | |
| Net Interest Margin | 4.09% | 4.25% | 4.32% | 4.45% | 4.55% | 4.70% | 4.45% | 4.60% | +15 bps | |
| Efficiency Ratio | 74.69% | 71.51% | 76.03% | 73.97% | 73.47% | 72.36% | 75.26% | 75.04% | +107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.86% | -6.59% | -4.41% | -2.37% | -2.72% | -3.22% | -2.43% | -4.22% | -184 bps | |
| Loan Growth (YoY) | 8.87% | 0.53% | -8.36% | -12.48% | -14.51% | -15.16% | -16.02% | -16.79% | -431 bps | |
| Share Growth (YoY) | -12.75% | -9.68% | -7.56% | -5.23% | -4.56% | -4.75% | -3.56% | -5.81% | -57 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.06% | 0.34% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.30% | 14.26% | 14.41% | 14.90% | 15.43% | 16.26% | 16.24% | 16.94% | +204 bps | |
| Net Worth / Assets | 13.30% | 14.26% | 14.41% | 14.90% | 15.43% | 16.26% | 16.24% | 16.94% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.30% | 91.05% | 86.63% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |