Charleston, SC · Charter 8059
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
67
Profitability
79
Liquidity
56
Efficiency
67
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Charleston, SC · Charter 8059
NCUA · 2 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 | 1.58% | 1.37% | 1.41% | 1.34% | 1.45% | 1.09% | 0.93% | 1.34% | 0 bps | |
| Return on Equity | 11.44% | 9.86% | 10.07% | 9.40% | 9.85% | 7.57% | 6.30% | 9.05% | -35 bps | |
| Net Interest Margin | 4.57% | 4.58% | 4.55% | 4.59% | 4.64% | 4.60% | 4.53% | 4.47% | -12 bps | |
| Efficiency Ratio | 72.11% | 74.82% | 72.54% | 72.88% | 72.99% | 76.90% | 75.59% | 72.32% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.77% | 1.04% | 0.35% | 1.30% | 2.64% | 3.89% | 1.58% | 3.78% | +248 bps | |
| Loan Growth (YoY) | -2.59% | -6.36% | -10.26% | -10.36% | -8.88% | -3.55% | 1.60% | 4.93% | +1,528 bps | |
| Share Growth (YoY) | -0.31% | -0.33% | -0.70% | 0.57% | 1.11% | 3.53% | 0.59% | 2.92% | +235 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.22% | 0.14% | 0.25% | 0.38% | 0.24% | 0.17% | 0.39% | +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 | 13.80% | 13.89% | 14.03% | 14.30% | 14.67% | 14.41% | 14.76% | 14.83% | +53 bps | |
| Net Worth / Assets | 13.80% | 13.89% | 14.03% | 14.30% | 14.67% | 14.41% | 14.76% | 14.83% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.99% | 82.39% | 78.16% | 77.79% | 76.60% | 76.75% | 78.95% | 79.30% | +151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Charleston, SC · Charter 8059 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.34%
Rank 320 of 1,683
Net Interest Margin
4.47%
Rank 343 of 1,683
Efficiency Ratio
72.30%
Rank 549 of 1,682
Equity / Assets
14.83%
Rank 568 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.35% | 0.74% | 1.18% | Beats 81% | 320 / 1,683 | ||
| Return on Equity | 9.06% | 2.67% | 5.89% | 8.74% | Beats 77% | 387 / 1,681 | ||
| Net Interest Margin | 4.47% | 3.31% | 3.82% | 4.32% | Beats 80% | 343 / 1,683 | ||
| Efficiency Ratio | 72.30% | 68.91% | 78.20% | 86.93% | Beats 67% | 549 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 67% | 560 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.83% | 10.44% | 12.89% | 16.53% | Beats 66% | 568 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.83% | 10.44% | 12.89% | 16.53% | Beats 66% | 568 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.30% | 52.61% | 69.38% | 83.50% | 68th pctl | 537 / 1,683 | ||
| Loans / Assets | 67.13% | 44.71% | 59.18% | 70.72% | 67th pctl | 556 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||