Columbia, SC · Charter 60715
NCUA · 1 branch
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 | 0.16% | -0.11% | 0.01% | 0.15% | 0.10% | -6 bps | |
| Return on Equity | 1.97% | -1.36% | 0.06% | 1.80% | 1.22% | -75 bps | |
| Net Interest Margin | 5.14% | 5.17% | 5.25% | 5.42% | 5.44% | +29 bps | |
| Efficiency Ratio | 93.34% | 92.59% | 91.99% | 93.62% | 94.39% | +105 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.94% | 1.85% | -0.82% | -5.14% | -5.09% | -803 bps | |
| Loan Growth (YoY) | 4.08% | 7.27% | 11.12% | 14.13% | 4.32% | +24 bps | |
| Share Growth (YoY) | 3.02% | 2.04% | -0.99% | -5.55% | -5.56% | -858 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 0.58% | 0.39% | 0.75% | 0.25% | -70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.76% | 0.72% | 0.69% | 0.78% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.17% | 8.01% | 8.17% | 8.48% | 8.58% | +41 bps | |
| Net Worth / Assets | 8.17% | 8.01% | 8.17% | 8.48% | 8.58% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.93% | 72.42% | 76.26% | 80.50% | 79.45% | +752 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |