West Columbia, SC · Charter 24623
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.08% | 6.52% | 1.91% | 5.49% | 3.93% | -0.96% | -0.90% | -281 bps | |
| Return on Equity | 2.68% | 0.95% | 68.97% | 23.02% | 47.86% | 33.73% | -8.42% | -8.01% | -3,103 bps | |
| Net Interest Margin | 6.27% | 6.05% | 4.85% | 4.90% | 5.15% | 5.56% | 5.08% | 5.26% | +36 bps | |
| Efficiency Ratio | 95.17% | 99.01% | 55.84% | 77.65% | 60.04% | 69.43% | 105.70% | 108.25% | +3,060 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.50% | 3.36% | 2.91% | 14.43% | 15.50% | 7.75% | 2.17% | -5.49% | -1,992 bps | |
| Loan Growth (YoY) | -8.47% | -16.56% | -17.50% | -14.38% | -15.35% | -9.84% | 2.12% | 2.37% | +1,675 bps | |
| Share Growth (YoY) | 0.67% | 3.93% | -0.19% | 9.33% | 11.68% | 3.81% | 2.05% | -3.79% | -1,311 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.46% | 5.77% | 3.49% | 4.93% | 1.90% | 2.53% | 2.11% | 3.19% | -174 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 | 0.79% | 0.58% | 0.53% | 0.42% | 0.45% | 0.45% | 0.61% | 0.61% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.58% | 8.31% | 9.45% | 8.28% | 11.47% | 11.64% | 11.43% | 11.25% | +297 bps | |
| Net Worth / Assets | 8.58% | 8.31% | 9.45% | 8.28% | 11.47% | 11.64% | 11.43% | 11.25% | +297 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.83% | 67.55% | 62.76% | 57.82% | 55.20% | 58.67% | 62.81% | 61.52% | +370 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |