Florence, SC · Charter 61028
NCUA · 13 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 | 2.92% | 2.83% | 2.28% | 2.35% | 2.13% | 1.97% | 1.61% | 1.80% | -55 bps | |
| Return on Equity | 16.29% | 15.12% | 12.52% | 12.50% | 10.95% | 10.29% | 8.57% | 9.14% | -336 bps | |
| Net Interest Margin | 4.85% | 4.86% | 4.36% | 4.46% | 4.57% | 4.42% | 4.11% | 4.32% | -13 bps | |
| Efficiency Ratio | 52.21% | 53.54% | 61.76% | 59.48% | 60.00% | 61.49% | 65.91% | 67.23% | +775 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.90% | 0.12% | -1.14% | 1.97% | 3.86% | 9.01% | 6.48% | 4.04% | +208 bps | |
| Loan Growth (YoY) | 10.81% | 5.97% | 4.25% | -1.36% | 1.84% | -0.89% | -1.99% | -0.34% | +103 bps | |
| Share Growth (YoY) | -3.88% | -2.36% | -3.24% | 0.42% | 1.89% | 8.34% | 5.53% | 2.67% | +225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.62% | 0.67% | 0.60% | 0.54% | 0.35% | 0.33% | 0.61% | +2 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 | 17.95% | 18.73% | 18.20% | 18.80% | 19.42% | 19.10% | 18.82% | 19.74% | +94 bps | |
| Net Worth / Assets | 17.95% | 18.73% | 18.20% | 18.80% | 19.42% | 19.10% | 18.82% | 19.74% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.52% | 80.53% | 74.96% | 75.30% | 77.49% | 73.67% | 69.62% | 73.09% | -221 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |