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Columbia/Hca

Gainesville, FL · Charter 21568

NCUA · 2 branches

Q2 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2023, the quarter ended June 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Columbia/Hca

Gainesville, FL · Charter 21568

NCUA · 2 branches

Q2 2023

$31.8MAssets
$23.3MLoans
$27.3MShares
$4.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.97%, down 82 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.65% of loans (+9 bps YoY).
  • Capital: net worth / assets of 13.46%, up 61 bps from a year ago.
  • Funding: loans stand at 85.47% of shares as of Q2 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.97%-82 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+100 bps YoY

Efficiency Ratio (YTD, annualized)

112.95%+1,617 bps YoY

Net Worth / Assets

13.46%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets-0.15%0.01%0.18%0.42%-0.97%-82 bps
Return on Equity-1.16%0.09%1.39%3.13%-7.23%-606 bps
Net Interest Margin3.30%3.47%3.62%4.17%4.30%+100 bps
Efficiency Ratio96.78%94.60%91.81%90.56%112.95%+1,617 bps
Growth
Asset Growth (YoY)6.11%7.45%5.07%-1.05%-5.99%-1,210 bps
Loan Growth (YoY)21.83%17.82%19.09%23.25%7.77%-1,405 bps
Share Growth (YoY)7.64%9.16%5.87%-1.37%-6.15%-1,379 bps
Asset Quality
Delinquent Loans / Loans0.56%0.15%0.77%0.13%0.65%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.75%0.82%0.00%0.00%-80 bps
Capital
Risk-Based Capital12.85%12.93%13.11%13.41%13.46%+61 bps
Net Worth / Assets12.85%12.93%13.11%13.41%13.46%+61 bps
Liquidity & Funding
Loans / Shares74.43%78.38%81.30%82.88%85.47%+1,104 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps