PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

South Central

Jackson, MI · Charter 62143

NCUA · 2 branches

Q2 2026

$84.6MAssets
$40.2MLoans
$72.0MShares
$12.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.16%, down 12 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.56% of loans (+1 bps YoY).
  • Capital: net worth / assets of 14.20%, up 19 bps from a year ago.
  • Funding: loans stand at 55.78% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.16%-12 bps YoY

Net Interest Margin (quarter, annualized)

3.68%-2 bps YoY

Efficiency Ratio (quarter, annualized)

95.46%+157 bps YoY

Net Worth / Assets

14.20%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.37%0.21%0.26%0.16%-12 bps
Return on Equity2.02%2.55%1.50%1.80%1.13%-89 bps
Net Interest Margin3.71%3.77%3.78%3.62%3.68%-2 bps
Efficiency Ratio93.89%90.56%93.76%100.58%95.46%+157 bps
Growth
Asset Growth (YoY)1.65%1.82%1.54%-1.72%-1.48%-313 bps
Loan Growth (YoY)-9.70%-1.72%6.09%5.46%6.03%+1,573 bps
Share Growth (YoY)0.47%1.85%2.00%-2.29%-1.02%-150 bps
Asset Quality
Delinquent Loans / Loans0.54%0.51%0.40%0.61%0.56%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.01%14.34%14.25%14.32%14.20%+19 bps
Net Worth / Assets14.01%14.34%14.25%14.32%14.20%+19 bps
Liquidity & Funding
Loans / Shares52.07%53.97%55.25%55.03%55.78%+371 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps