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 | |