Columbia, SC · Charter 60715
NCUA · 1 branch
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 | 1.03% | 0.73% | 0.17% | 0.16% | -0.11% | 0.01% | 0.15% | 0.10% | -6 bps | |
| Return on Equity | 12.41% | 9.06% | 2.07% | 1.97% | -1.36% | 0.06% | 1.80% | 1.22% | -75 bps | |
| Net Interest Margin | 5.68% | 5.53% | 5.15% | 5.14% | 5.17% | 5.25% | 5.42% | 5.44% | +29 bps | |
| Efficiency Ratio | 80.63% | 83.02% | 93.19% | 93.34% | 92.59% | 91.99% | 93.62% | 94.39% | +105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.89% | 5.72% | 3.76% | 2.94% | 1.85% | -0.82% | -5.14% | -5.09% | -803 bps | |
| Loan Growth (YoY) | -4.87% | -2.50% | 0.82% | 4.08% | 7.27% | 11.12% | 14.13% | 4.32% | +24 bps | |
| Share Growth (YoY) | 3.38% | 5.41% | 3.03% | 3.02% | 2.04% | -0.99% | -5.55% | -5.56% | -858 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.13% | 0.40% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.56% | 0.64% | 0.71% | 0.76% | 0.72% | 0.69% | 0.78% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.27% | 8.10% | 8.05% | 8.17% | 8.01% | 8.17% | 8.48% | 8.58% | +41 bps | |
| Net Worth / Assets | 8.27% | 8.10% | 8.05% | 8.17% | 8.01% | 8.17% | 8.48% | 8.58% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.89% | 67.95% | 66.62% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |