Greenville, SC · Charter 361
NCUA · 11 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
5
Asset Quality
36
Profitability
26
Liquidity
0
Efficiency
32
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.
Greenville, SC · Charter 361
NCUA · 11 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 | 0.22% | 0.21% | 0.18% | 0.00% | 0.12% | -11 bps | |
| Return on Equity | 2.69% | 2.53% | 2.15% | 0.05% | 1.41% | -128 bps | |
| Net Interest Margin | 3.70% | 3.79% | 3.75% | 3.60% | 3.72% | +1 bps | |
| Efficiency Ratio | 80.43% | 80.96% | 81.55% | 84.79% | 84.02% | +359 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.45% | -0.90% | 0.70% | 1.11% | 0.18% | +163 bps | |
| Loan Growth (YoY) | 1.80% | 3.11% | 1.37% | 0.67% | 2.69% | +89 bps | |
| Share Growth (YoY) | -1.45% | -0.62% | -1.75% | -1.38% | -2.30% | -85 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.80% | 0.78% | 0.81% | 0.94% | +17 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 | 8.29% | 8.41% | 8.17% | 8.12% | 8.30% | +1 bps | |
| Net Worth / Assets | 8.29% | 8.41% | 8.17% | 8.12% | 8.30% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.62% | 91.88% | 92.09% | 90.52% | 94.20% | +458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greenville, SC · Charter 361 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
Return on Assets
0.12%
Rank 1,436 of 1,683
Net Interest Margin
3.72%
Rank 925 of 1,683
Efficiency Ratio
84.02%
Rank 1,142 of 1,682
Equity / Assets
8.30%
Rank 1,597 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,436 / 1,683 | |
| Return on Equity | 1.41% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,395 / 1,681 | |
| Net Interest Margin | 3.72% | 3.31% | 3.82% | 4.32% | Beats 45% | 925 / 1,683 | |
| Efficiency Ratio | 84.02% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,142 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.94% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,085 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.30% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,597 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.30% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,597 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.20% | 52.61% | 69.38% | 83.50% | 92nd pctl | 128 / 1,683 | |
| Loans / Assets | 83.67% | 44.71% | 59.18% | 70.72% | 96th pctl | 66 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||