Greenwood, SC · Charter 24851
NCUA · 3 branches
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 | 0.97% | 0.85% | 0.54% | 0.65% | 0.44% | 0.40% | -0.97% | -0.57% | -122 bps | |
| Return on Equity | 7.74% | 6.90% | 4.44% | 5.18% | 3.53% | 3.08% | -7.93% | -4.53% | -971 bps | |
| Net Interest Margin | 3.46% | 3.40% | 3.25% | 3.41% | 3.45% | 3.56% | 3.43% | 3.55% | +14 bps | |
| Efficiency Ratio | 83.83% | 84.53% | 90.73% | 89.35% | 91.27% | 90.78% | 109.44% | 105.37% | +1,602 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.59% | 4.96% | 3.21% | 3.72% | 3.73% | -1.88% | -0.94% | -2.06% | -578 bps | |
| Loan Growth (YoY) | 12.93% | 9.72% | 7.79% | 14.54% | 14.88% | 12.84% | 9.49% | 2.26% | -1,228 bps | |
| Share Growth (YoY) | -0.33% | 5.85% | 1.85% | 3.68% | 2.62% | -0.04% | 0.37% | 1.14% | -254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.85% | 0.32% | 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 | 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 | 12.57% | 12.36% | 12.14% | 12.53% | 12.60% | 12.99% | 12.26% | 12.57% | +4 bps | |
| Net Worth / Assets | 12.57% | 12.36% | 12.14% | 12.53% | 12.60% | 12.99% | 12.26% | 12.57% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.28% | 59.06% | 58.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |