| Metric | Greenville Federal | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.8 pts |
| Loan growth (YoY) | -2.1% | +5.6% | -7.6 pts |
| ROA | 0.18% | 1.24% | -1.1 pts |
| ROE | 2.4% | 11.9% | -9.5 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $263.9M | $240.8M | $209.0M | $20.7M | $245K | 0.18% | 3.28% | 0.41% |
| Q1 2026 | $263.1M | $239.5M | $214.9M | $20.4M | $106K | 0.16% | 3.26% | 0.40% |
| Q4 2025 | $269.2M | $242.8M | $221.0M | $20.3M | $132K | 0.05% | 3.12% | 0.39% |
| Q3 2025 | $264.7M | $234.2M | $217.3M | $20.1M | $0 | 0.00% | 3.09% | 0.41% |
| Q2 2025 | $261.5M | $233.4M | $213.4M | $20.0M | $-69K | -0.05% | 3.05% | 0.38% |
| Q1 2025 | $255.7M | $232.3M | $207.7M | $20.0M | $-81K | -0.13% | 3.00% | 0.39% |
| Q4 2024 | $257.5M | $231.7M | $207.8M | $19.6M | $-1.5M | -0.61% | 2.77% | 0.37% |
| Q3 2024 | $250.5M | $226.9M | $200.0M | $19.9M | $-711K | -0.39% | 2.77% | 0.41% |
Loan mix (Q2 2026): real estate $177.2M · commercial $29.7M · consumer $1.6M · securities $15.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Greenville Federal | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.2% | 62.9% | 96th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Greenville Federal | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Greenville Federal | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Greenville Federal | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Greenville Federal | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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