Columbia, SC · Charter 13828
NCUA · 23 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
78
Profitability
73
Liquidity
2
Efficiency
80
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.
Columbia, SC · Charter 13828
NCUA · 23 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 | 2.12% | 2.05% | 1.81% | 1.50% | 1.73% | -39 bps | |
| Return on Equity | 11.07% | 10.52% | 9.35% | 7.80% | 8.81% | -226 bps | |
| Net Interest Margin | 3.50% | 3.52% | 3.46% | 3.35% | 3.46% | -4 bps | |
| Efficiency Ratio | 58.38% | 59.60% | 62.77% | 64.36% | 63.15% | +477 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.76% | 7.02% | 7.53% | 6.40% | 6.23% | -53 bps | |
| Loan Growth (YoY) | 4.34% | 5.20% | 10.78% | 14.45% | 13.64% | +930 bps | |
| Share Growth (YoY) | 5.65% | 5.23% | 5.81% | 5.15% | 5.25% | -40 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.52% | 0.46% | 0.31% | 0.41% | -11 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 | 19.15% | 19.46% | 19.34% | 19.20% | 19.60% | +45 bps | |
| Net Worth / Assets | 19.15% | 19.46% | 19.34% | 19.20% | 19.60% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.55% | 61.53% | 63.95% | 64.05% | 65.37% | +483 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbia, SC · Charter 13828 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
Return on Assets
1.73%
Rank 18 of 435
Net Interest Margin
3.46%
Rank 192 of 435
Efficiency Ratio
63.15%
Rank 89 of 435
Equity / Assets
19.60%
Rank 9 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.73% | 0.55% | 0.81% | 1.14% | Beats 96% | 18 / 435 | |
| Return on Equity | 8.81% | 5.12% | 7.41% | 9.70% | Beats 66% | 146 / 435 | |
| Net Interest Margin | 3.46% | 3.01% | 3.39% | 3.75% | Beats 56% | 192 / 435 | |
| Efficiency Ratio | 63.15% | 65.25% | 71.39% | 77.86% | Beats 80% | 89 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.45% | 0.69% | 1.05% | Beats 78% | 97 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.60% | 9.81% | 10.84% | 12.63% | Beats 98% | 9 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.60% | 9.81% | 10.84% | 12.63% | Beats 98% | 9 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.37% | 78.33% | 88.38% | 95.61% | 10th pctl | 391 / 435 | |
| Loans / Assets | 52.86% | 67.69% | 74.58% | 80.80% | 8th pctl | 400 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||