Sumter, SC · Charter 9988
NCUA · 21 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 | 1.47% | 1.53% | 1.34% | 1.15% | 1.27% | -21 bps | |
| Return on Equity | 14.38% | 14.30% | 12.85% | 10.77% | 11.55% | -283 bps | |
| Net Interest Margin | 3.45% | 3.57% | 3.43% | 3.72% | 3.79% | +34 bps | |
| Efficiency Ratio | 60.11% | 58.14% | 60.27% | 58.07% | 58.53% | -158 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.58% | 0.48% | 4.95% | 2.33% | 4.31% | +273 bps | |
| Loan Growth (YoY) | -5.72% | -0.21% | 0.11% | 1.07% | 5.88% | +1,160 bps | |
| Share Growth (YoY) | 1.10% | 0.17% | 1.18% | 0.88% | 3.10% | +200 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 1.13% | 1.08% | 0.65% | 0.63% | -40 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 | 10.25% | 10.67% | 10.46% | 10.71% | 10.97% | +73 bps | |
| Net Worth / Assets | 10.25% | 10.67% | 10.46% | 10.71% | 10.97% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.05% | 78.63% | 77.74% | 76.14% | 79.12% | +208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |