Hartsville, SC · Charter 60686
NCUA · 8 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
35
Asset Quality
29
Profitability
46
Liquidity
95
Efficiency
45
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.
Hartsville, SC · Charter 60686
NCUA · 8 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 | 1.47% | 1.74% | 0.66% | 0.64% | 0.74% | 0.90% | 0.84% | 0.65% | +1 bps | |
| Return on Equity | 13.42% | 15.21% | 5.92% | 5.62% | 6.44% | 7.73% | 7.43% | 5.67% | +5 bps | |
| Net Interest Margin | 4.06% | 4.08% | 4.00% | 4.11% | 4.09% | 4.03% | 3.70% | 3.74% | -37 bps | |
| Efficiency Ratio | 73.92% | 71.55% | 81.54% | 80.66% | 79.24% | 78.05% | 78.00% | 79.91% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.18% | 0.42% | 0.48% | 2.23% | 4.84% | 5.61% | 6.48% | 7.54% | +532 bps | |
| Loan Growth (YoY) | -6.22% | -8.23% | -9.83% | -9.18% | -5.13% | -2.41% | -2.04% | 2.53% | +1,171 bps | |
| Share Growth (YoY) | 0.76% | 3.44% | 4.95% | 6.96% | 6.74% | 6.52% | 5.81% | 5.54% | -142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.54% | 1.24% | 1.40% | 1.45% | 1.32% | 1.08% | 1.13% | -27 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 | 10.95% | 11.42% | 11.15% | 11.44% | 11.51% | 11.61% | 11.29% | 11.42% | -2 bps | |
| Net Worth / Assets | 10.95% | 11.42% | 11.15% | 11.44% | 11.51% | 11.61% | 11.29% | 11.42% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.79% | 76.76% | 70.28% | 69.71% | 70.92% | 70.32% | 65.06% | 67.72% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hartsville, SC · Charter 60686 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.65%
Rank 954 of 1,683
Net Interest Margin
3.74%
Rank 907 of 1,683
Efficiency Ratio
79.90%
Rank 932 of 1,682
Equity / Assets
11.42%
Rank 1,090 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 43% | 954 / 1,683 | ||
| Return on Equity | 5.68% | 2.67% | 5.89% | 8.74% | Beats 48% | 880 / 1,681 | ||
| Net Interest Margin | 3.74% | 3.31% | 3.82% | 4.32% | Beats 46% | 907 / 1,683 | ||
| Efficiency Ratio | 79.90% | 68.91% | 78.20% | 86.93% | Beats 45% | 932 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.13% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,195 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.42% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,090 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.42% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,090 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.72% | 52.61% | 69.38% | 83.50% | 47th pctl | 894 / 1,683 | ||
| Loans / Assets | 59.69% | 44.71% | 59.18% | 70.72% | 51st pctl | 824 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||