Columbus, GA · Charter 10866
NCUA · 7 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
61
Asset Quality
20
Profitability
21
Liquidity
61
Efficiency
54
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.
Columbus, GA · Charter 10866
NCUA · 7 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 | 1.61% | 1.68% | 1.53% | -0.43% | 0.31% | -130 bps | |
| Return on Equity | 11.09% | 11.44% | 10.76% | -3.12% | 2.20% | -889 bps | |
| Net Interest Margin | 4.18% | 4.15% | 4.01% | 2.28% | 3.16% | -102 bps | |
| Efficiency Ratio | 62.30% | 62.25% | 63.35% | 91.62% | 76.88% | +1,458 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.38% | 10.62% | 11.52% | 10.14% | 8.06% | -131 bps | |
| Loan Growth (YoY) | -0.31% | 0.65% | 1.13% | 0.93% | 3.50% | +381 bps | |
| Share Growth (YoY) | 8.58% | 10.14% | 11.23% | 10.42% | 8.20% | -38 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.53% | 1.70% | 1.61% | 1.35% | 1.55% | +2 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 | 14.48% | 14.66% | 14.19% | 13.90% | 14.08% | -40 bps | |
| Net Worth / Assets | 14.48% | 14.66% | 14.19% | 13.90% | 14.08% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.84% | 80.46% | 78.09% | 76.46% | 78.28% | -356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbus, GA · Charter 10866 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.31%
Rank 1,303 of 1,683
Net Interest Margin
3.16%
Rank 1,362 of 1,683
Efficiency Ratio
76.88%
Rank 770 of 1,682
Equity / Assets
14.08%
Rank 662 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,303 / 1,683 | |
| Return on Equity | 2.20% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,322 / 1,681 | |
| Net Interest Margin | 3.16% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,362 / 1,683 | |
| Efficiency Ratio | 76.88% | 68.91% | 78.20% | 86.93% | Beats 54% | 770 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.55% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,345 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.08% | 10.44% | 12.89% | 16.53% | Beats 61% | 662 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.08% | 10.44% | 12.89% | 16.53% | Beats 61% | 662 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.28% | 52.61% | 69.38% | 83.50% | 66th pctl | 569 / 1,683 | |
| Loans / Assets | 67.08% | 44.71% | 59.18% | 70.72% | 67th pctl | 560 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||