Cayce, SC · Charter 24627
NCUA · 1 branch
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.91% | 2.17% | 1.84% | 1.77% | -5.41% | -731 bps | |
| Return on Equity | 15.19% | 16.21% | 13.22% | 12.29% | -42.90% | -5,809 bps | |
| Net Interest Margin | 5.77% | 5.93% | 6.05% | 6.11% | 5.68% | -9 bps | |
| Efficiency Ratio | 81.38% | 77.91% | 77.59% | 78.22% | 137.35% | +5,597 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.33% | -10.23% | -6.42% | 0.33% | -2.15% | +818 bps | |
| Loan Growth (YoY) | -13.55% | -15.81% | -16.06% | -15.33% | -15.15% | -160 bps | |
| Share Growth (YoY) | -12.05% | -13.47% | -9.53% | -1.85% | -4.59% | +746 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.49% | 0.93% | 0.41% | 0.50% | +24 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 | 12.55% | 13.39% | 13.96% | 14.38% | 12.61% | +6 bps | |
| Net Worth / Assets | 12.55% | 13.39% | 13.96% | 14.38% | 12.61% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.42% | 85.60% | 84.10% | 83.25% | 76.86% | -956 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |