Columbia, SC · Charter 61065
NCUA · 2 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 | 0.19% | 0.29% | 0.39% | 0.78% | 0.68% | 0.84% | 0.78% | 0.89% | +11 bps | |
| Return on Equity | 0.91% | 1.44% | 1.87% | 3.53% | 3.05% | 3.60% | 3.31% | 3.66% | +13 bps | |
| Net Interest Margin | 2.13% | 2.15% | 2.23% | 2.46% | 2.48% | 2.61% | 2.51% | 2.62% | +17 bps | |
| Efficiency Ratio | 72.33% | 70.02% | 77.33% | 65.37% | 65.00% | 64.21% | 69.56% | 66.82% | +145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.47% | -3.55% | -6.91% | -8.46% | -9.55% | -11.81% | -7.96% | -6.13% | +233 bps | |
| Loan Growth (YoY) | 1.29% | -5.24% | -4.23% | -7.66% | -13.48% | -16.51% | -19.04% | -15.24% | -758 bps | |
| Share Growth (YoY) | -11.71% | -4.94% | -9.16% | -11.32% | -11.66% | -15.59% | -11.11% | -8.90% | +243 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.27% | 1.30% | 2.40% | 0.72% | 1.05% | 0.23% | 0.28% | -212 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 | 20.36% | 19.79% | 20.90% | 21.99% | 22.23% | 23.27% | 23.65% | 24.31% | +233 bps | |
| Net Worth / Assets | 20.36% | 19.79% | 20.90% | 21.99% | 22.23% | 23.27% | 23.65% | 24.31% | +233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.83% | 19.43% | 20.26% | 20.39% | 19.42% | 19.22% | 18.46% | 18.97% | -142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |