Columbia City, IN · Charter 16732
NCUA · 1 branch
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 in the Fort Wayne, IN area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
37
Profitability
82
Liquidity
12
Efficiency
89
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 City, IN · Charter 16732
NCUA · 1 branch
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 | 1.42% | 1.38% | 1.73% | 1.84% | 1.92% | 1.96% | 1.99% | 2.09% | +25 bps | |
| Return on Equity | 12.30% | 11.64% | 14.04% | 14.52% | 14.78% | 15.00% | 15.22% | 15.29% | +77 bps | |
| Net Interest Margin | 3.31% | 3.38% | 3.59% | 3.61% | 3.70% | 3.78% | 4.10% | 4.18% | +57 bps | |
| Efficiency Ratio | 64.13% | 66.22% | 61.28% | 58.26% | 56.72% | 56.45% | 58.34% | 56.59% | -167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.74% | 2.15% | 1.77% | 2.68% | 2.38% | 4.45% | 8.65% | 6.91% | +423 bps | |
| Loan Growth (YoY) | 1.55% | 1.95% | -1.56% | 0.16% | 2.93% | 2.97% | 5.71% | 2.17% | +201 bps | |
| Share Growth (YoY) | -1.08% | 0.41% | -0.05% | 0.40% | 0.41% | 2.87% | 7.40% | 5.99% | +560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.38% | 0.11% | 0.28% | 0.47% | 0.26% | 0.28% | 0.95% | +67 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 | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.53% | 11.85% | 12.32% | 12.66% | 13.01% | 13.05% | 13.08% | 13.69% | +102 bps | |
| Net Worth / Assets | 11.53% | 11.85% | 12.32% | 12.66% | 13.01% | 13.05% | 13.08% | 13.69% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.29% | 43.79% | 43.41% | 43.79% | 44.37% | 43.83% | 42.73% | 42.21% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbia City, IN · Charter 16732 · Peer group: credit unions under $1B in assets in the Fort Wayne, IN area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
2.09%
Rank 3 of 19
Net Interest Margin
4.18%
Rank 4 of 19
Efficiency Ratio
56.53%
Rank 3 of 19
Equity / Assets
13.69%
Rank 5 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.09% | -0.27% | 1.22% | 1.52% | Beats 84% | 3 / 19 | ||
| Return on Equity | 15.29% | -2.41% | 9.38% | 13.75% | Beats 84% | 3 / 19 | ||
| Net Interest Margin | 4.18% | 3.49% | 3.77% | 4.18% | Beats 79% | 4 / 19 | ||
| Efficiency Ratio | 56.53% | 68.63% | 79.83% | 95.74% | Beats 89% | 3 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.38% | 0.61% | 1.20% | Beats 37% | 13 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.69% | 10.00% | 11.56% | 13.69% | Beats 74% | 5 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.69% | 10.00% | 11.56% | 13.69% | Beats 74% | 5 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.22% | 49.95% | 68.70% | 81.33% | 11th pctl | 17 / 19 | ||
| Loans / Assets | 36.24% | 39.83% | 58.83% | 70.01% | 11th pctl | 17 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||