Columbus, IN · Charter 13940
NCUA · 2 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
80
Asset Quality
77
Profitability
54
Liquidity
32
Efficiency
61
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, IN · Charter 13940
NCUA · 2 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 | 1.21% | 1.27% | 1.14% | 1.33% | 1.32% | 1.30% | 1.18% | 1.11% | -22 bps | |
| Return on Equity | 7.44% | 7.42% | 6.97% | 7.85% | 7.70% | 7.40% | 6.77% | 6.16% | -169 bps | |
| Net Interest Margin | 3.37% | 3.52% | 3.39% | 3.54% | 3.59% | 3.64% | 3.47% | 3.60% | +6 bps | |
| Efficiency Ratio | 71.48% | 71.52% | 71.84% | 70.14% | 70.74% | 71.41% | 72.05% | 74.35% | +421 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.19% | -5.45% | -0.79% | 0.03% | 2.67% | 5.30% | 1.11% | 0.33% | +30 bps | |
| Loan Growth (YoY) | -7.13% | -3.30% | 4.55% | 16.82% | 15.94% | 24.12% | 22.22% | 12.16% | -466 bps | |
| Share Growth (YoY) | -7.40% | -7.87% | -2.41% | -1.55% | 1.54% | 4.71% | -0.27% | -1.12% | +43 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 1.06% | 0.83% | 0.72% | 0.40% | 0.11% | 0.35% | 0.24% | -48 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 | 16.32% | 17.13% | 16.37% | 16.92% | 17.19% | 17.56% | 17.46% | 18.04% | +112 bps | |
| Net Worth / Assets | 16.32% | 17.13% | 16.37% | 16.92% | 17.19% | 17.56% | 17.46% | 18.04% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.67% | 39.52% | 37.89% | 42.81% | 44.16% | 46.85% | 46.43% | 48.56% | +575 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbus, IN · Charter 13940 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.11%
Rank 490 of 1,683
Net Interest Margin
3.60%
Rank 1,039 of 1,683
Efficiency Ratio
74.37%
Rank 652 of 1,682
Equity / Assets
18.04%
Rank 330 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.35% | 0.74% | 1.18% | Beats 71% | 490 / 1,683 | ||
| Return on Equity | 6.15% | 2.67% | 5.89% | 8.74% | Beats 53% | 792 / 1,681 | ||
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,039 / 1,683 | ||
| Efficiency Ratio | 74.37% | 68.91% | 78.20% | 86.93% | Beats 61% | 652 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 391 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.04% | 10.44% | 12.89% | 16.53% | Beats 80% | 330 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.04% | 10.44% | 12.89% | 16.53% | Beats 80% | 330 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.56% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,347 / 1,683 | ||
| Loans / Assets | 39.70% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,368 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||