Greenwood, SC · Charter 24851
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
25
Profitability
16
Liquidity
89
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Greenwood, SC · Charter 24851
NCUA · 3 branches
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.44% | 0.40% | -0.97% | -0.57% | -122 bps | |
| Return on Equity | 5.18% | 3.53% | 3.08% | -7.93% | -4.53% | -971 bps | |
| Net Interest Margin | 3.41% | 3.45% | 3.56% | 3.43% | 3.55% | +14 bps | |
| Efficiency Ratio | 89.35% | 91.27% | 90.78% | 109.44% | 105.37% | +1,602 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.72% | 3.73% | -1.88% | -0.94% | -2.06% | -578 bps | |
| Loan Growth (YoY) | 14.54% | 14.88% | 12.84% | 9.49% | 2.26% | -1,228 bps | |
| Share Growth (YoY) | 3.68% | 2.62% | -0.04% | 0.37% | 1.14% | -254 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.69% | 0.88% | 0.90% | 1.27% | +40 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 | 12.53% | 12.60% | 12.99% | 12.26% | 12.57% | +4 bps | |
| Net Worth / Assets | 12.53% | 12.60% | 12.99% | 12.26% | 12.57% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.31% | 66.36% | 66.67% | 64.02% | 66.03% | +72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greenwood, SC · Charter 24851 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.57%
Rank 1,579 of 1,683
Net Interest Margin
3.55%
Rank 1,086 of 1,683
Efficiency Ratio
105.40%
Rank 1,590 of 1,682
Equity / Assets
12.57%
Rank 895 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.57% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,579 / 1,683 | |
| Return on Equity | -4.52% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,588 / 1,681 | |
| Net Interest Margin | 3.55% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,086 / 1,683 | |
| Efficiency Ratio | 105.40% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,590 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.27% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,257 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.57% | 10.44% | 12.89% | 16.53% | Beats 47% | 895 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.57% | 10.44% | 12.89% | 16.53% | Beats 47% | 895 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.03% | 52.61% | 69.38% | 83.50% | 44th pctl | 950 / 1,683 | |
| Loans / Assets | 58.04% | 44.71% | 59.18% | 70.72% | 48th pctl | 878 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||