Greenville, SC · Charter 4400
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 | 0.43% | 0.44% | 0.37% | 0.65% | 0.85% | 0.84% | 0.65% | 0.78% | +13 bps | |
| Return on Equity | 3.47% | 3.59% | 2.97% | 5.16% | 6.60% | 6.45% | 5.17% | 6.24% | +108 bps | |
| Net Interest Margin | 3.00% | 2.99% | 3.23% | 3.41% | 3.47% | 3.49% | 3.28% | 3.25% | -16 bps | |
| Efficiency Ratio | 83.89% | 84.56% | 78.40% | 76.58% | 75.20% | 75.38% | 80.19% | 76.69% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.27% | 7.04% | 3.74% | 1.25% | 1.40% | 0.51% | 4.91% | 7.73% | +648 bps | |
| Loan Growth (YoY) | -0.62% | -2.06% | -3.65% | -1.52% | -0.44% | 2.41% | 2.39% | 3.68% | +520 bps | |
| Share Growth (YoY) | 6.65% | 7.46% | 3.58% | 0.60% | 0.80% | -0.32% | 4.60% | 7.36% | +676 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.31% | 0.42% | 0.40% | 0.22% | 0.34% | 0.31% | 0.34% | -6 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 | 12.42% | 12.27% | 12.37% | 12.65% | 12.92% | 12.95% | 12.58% | 12.53% | -12 bps | |
| Net Worth / Assets | 12.42% | 12.27% | 12.37% | 12.65% | 12.92% | 12.95% | 12.58% | 12.53% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.45% | 59.94% | 59.74% | 61.02% | 60.70% | 61.58% | 58.47% | 58.93% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |