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 | |