Columbia, SC · Charter 61260
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.92% | 0.89% | 0.46% | 0.47% | -2 bps | |
| Return on Equity | 2.31% | 4.14% | 3.98% | 2.02% | 2.00% | -31 bps | |
| Net Interest Margin | 4.08% | 4.30% | 4.30% | 4.15% | 4.34% | +25 bps | |
| Efficiency Ratio | 90.06% | 84.66% | 85.02% | 90.20% | 90.34% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.56% | -3.56% | -1.01% | -4.56% | -6.80% | -524 bps | |
| Loan Growth (YoY) | -8.10% | -8.67% | -10.10% | -8.68% | -5.23% | +287 bps | |
| Share Growth (YoY) | -2.50% | -5.56% | 0.30% | -6.84% | -9.87% | -737 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.69% | 0.38% | 0.52% | 0.59% | +6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.05% | 22.29% | 22.47% | 22.61% | 23.49% | +244 bps | |
| Net Worth / Assets | 21.05% | 22.29% | 22.47% | 22.61% | 23.49% | +244 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.46% | 64.65% | 59.84% | 60.90% | 65.68% | +322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |