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 | |