Lugoff, SC · Charter 60735
NCUA · 5 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 | 0.74% | 0.26% | 0.79% | 0.69% | 0.72% | 0.73% | 1.13% | 0.89% | +19 bps | |
| Return on Equity | 5.78% | 2.08% | 6.58% | 5.73% | 5.83% | 5.95% | 8.82% | 6.97% | +125 bps | |
| Net Interest Margin | 3.67% | 3.67% | 3.85% | 3.86% | 3.90% | 3.87% | 3.84% | 3.83% | -3 bps | |
| Efficiency Ratio | 83.55% | 92.83% | 80.32% | 80.99% | 80.81% | 80.60% | 77.31% | 79.65% | -134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.40% | -0.01% | 4.68% | 6.64% | 5.93% | 5.95% | -0.13% | 1.27% | -537 bps | |
| Loan Growth (YoY) | -2.02% | -2.11% | 1.01% | 1.68% | 6.52% | 4.83% | 0.03% | 3.80% | +212 bps | |
| Share Growth (YoY) | -1.64% | -0.22% | 2.93% | 5.32% | 5.01% | 4.64% | -1.63% | -0.24% | -556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.80% | 0.35% | 0.45% | 0.42% | 0.70% | 0.63% | 0.66% | +21 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 | 12.84% | 12.29% | 12.07% | 12.11% | 12.28% | 12.22% | 12.82% | 12.69% | +58 bps | |
| Net Worth / Assets | 12.84% | 12.29% | 12.07% | 12.11% | 12.28% | 12.22% | 12.82% | 12.69% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.70% | 66.65% | 65.58% | 65.36% | 67.66% | 66.78% | 66.69% | 68.00% | +265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |