Georgetown, SC · Charter 60791
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |