PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S. C. State

Columbia, SC · Charter 24824

NCUA · 19 branches

Q2 2026

$1.5BAssets
$864.0MLoans
$1.2BShares
$228.9MNet 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 2.06%, up 20 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.82% of loans (+4 bps YoY).
  • Capital: net worth / assets of 15.57%, up 102 bps from a year ago.
  • Funding: loans stand at 70.20% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.06%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+27 bps YoY

Efficiency Ratio (YTD, annualized)

55.83%+112 bps YoY

Net Worth / Assets

15.57%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.97%1.84%2.05%2.06%+20 bps
Return on Equity12.82%13.14%12.23%13.53%13.24%+42 bps
Net Interest Margin3.97%4.04%4.06%4.20%4.23%+27 bps
Efficiency Ratio54.71%55.07%54.91%58.53%55.83%+112 bps
Growth
Asset Growth (YoY)-1.21%-1.54%6.20%4.58%5.48%+669 bps
Loan Growth (YoY)6.01%6.58%7.45%5.31%4.06%-196 bps
Share Growth (YoY)4.79%4.61%4.40%4.16%4.34%-44 bps
Asset Quality
Delinquent Loans / Loans0.78%0.82%0.92%0.80%0.82%+4 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 Capital14.55%15.02%15.03%15.18%15.57%+102 bps
Net Worth / Assets14.55%15.02%15.03%15.18%15.57%+102 bps
Liquidity & Funding
Loans / Shares70.39%71.70%71.93%69.79%70.20%-19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps