Sumter, SC · Charter 9988
NCUA · 21 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 | 0.51% | 0.48% | 1.31% | 1.47% | 1.53% | 1.34% | 1.15% | 1.27% | -21 bps | |
| Return on Equity | 5.28% | 4.96% | 13.48% | 14.38% | 14.30% | 12.85% | 10.77% | 11.55% | -283 bps | |
| Net Interest Margin | 2.56% | 2.75% | 3.24% | 3.45% | 3.57% | 3.43% | 3.72% | 3.79% | +34 bps | |
| Efficiency Ratio | 71.34% | 70.60% | 61.24% | 60.11% | 58.14% | 60.27% | 58.07% | 58.53% | -158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.04% | 1.42% | 2.04% | 1.58% | 0.48% | 4.95% | 2.33% | 4.31% | +273 bps | |
| Loan Growth (YoY) | -0.72% | -1.77% | -2.84% | -5.72% | -0.21% | 0.11% | 1.07% | 5.88% | +1,160 bps | |
| Share Growth (YoY) | 1.51% | 1.94% | 1.94% | 1.10% | 0.17% | 1.18% | 0.88% | 3.10% | +200 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.90% | 0.87% | 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 | 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 | 9.59% | 9.68% | 9.73% | 10.25% | 10.67% | 10.46% | 10.71% | 10.97% | +73 bps | |
| Net Worth / Assets | 9.59% | 9.68% | 9.73% | 10.25% | 10.67% | 10.46% | 10.71% | 10.97% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.93% | 78.57% | 76.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |