Georgetown, SC · Charter 60791
NCUA · 6 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
83
Asset Quality
35
Profitability
84
Liquidity
95
Efficiency
65
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.
Georgetown, SC · Charter 60791
NCUA · 6 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 | 1.82% | 1.84% | 1.90% | 1.99% | 1.83% | 1.77% | 1.26% | 1.59% | -40 bps | |
| Return on Equity | 10.78% | 10.70% | 11.14% | 11.40% | 10.16% | 9.72% | 6.99% | 8.50% | -290 bps | |
| Net Interest Margin | 4.76% | 4.81% | 4.81% | 4.94% | 5.04% | 5.04% | 4.84% | 4.94% | 0 bps | |
| Efficiency Ratio | 68.59% | 68.73% | 69.22% | 69.55% | 71.25% | 70.85% | 73.88% | 72.97% | +342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | 3.47% | 6.54% | 7.70% | 4.29% | 4.34% | 2.98% | 1.70% | -600 bps | |
| Loan Growth (YoY) | 4.65% | 4.16% | 3.69% | -0.53% | -1.54% | -2.67% | -2.38% | -1.59% | -106 bps | |
| Share Growth (YoY) | 0.35% | 1.71% | 5.42% | 5.73% | 1.72% | 2.43% | 0.74% | 0.69% | -504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.70% | 0.57% | 1.09% | 0.90% | 0.96% | 0.96% | 0.95% | -14 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 | 16.89% | 17.24% | 17.02% | 17.47% | 17.97% | 18.23% | 18.04% | 18.67% | +120 bps | |
| Net Worth / Assets | 16.89% | 17.24% | 17.02% | 17.47% | 17.97% | 18.23% | 18.04% | 18.67% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.83% | 75.50% | 71.83% | 72.18% | 72.43% | 71.74% | 69.61% | 70.54% | -163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Georgetown, SC · Charter 60791 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
1.59%
Rank 206 of 1,683
Net Interest Margin
4.94%
Rank 155 of 1,683
Efficiency Ratio
72.98%
Rank 590 of 1,682
Equity / Assets
18.67%
Rank 291 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.59% | 0.35% | 0.74% | 1.18% | Beats 88% | 206 / 1,683 | ||
| Return on Equity | 8.50% | 2.67% | 5.89% | 8.74% | Beats 73% | 448 / 1,681 | ||
| Net Interest Margin | 4.94% | 3.31% | 3.82% | 4.32% | Beats 91% | 155 / 1,683 | ||
| Efficiency Ratio | 72.98% | 68.91% | 78.20% | 86.93% | Beats 65% | 590 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,088 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.67% | 10.44% | 12.89% | 16.53% | Beats 83% | 291 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.67% | 10.44% | 12.89% | 16.53% | Beats 83% | 291 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.54% | 52.61% | 69.38% | 83.50% | 52nd pctl | 809 / 1,683 | ||
| Loans / Assets | 57.10% | 44.71% | 59.18% | 70.72% | 46th pctl | 913 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||