Columbus, NE · Charter 24402
NCUA · 3 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
28
Asset Quality
32
Profitability
44
Liquidity
1
Efficiency
48
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, NE · Charter 24402
NCUA · 3 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 | 0.33% | 0.39% | 0.62% | -1.63% | -1.00% | -0.65% | 0.63% | 0.44% | +207 bps | |
| Return on Equity | 3.33% | 3.84% | 6.49% | -16.08% | -9.55% | -6.24% | 6.07% | 4.14% | +2,022 bps | |
| Net Interest Margin | 3.65% | 3.79% | 3.69% | 3.90% | 4.11% | 4.11% | 4.00% | 4.16% | +25 bps | |
| Efficiency Ratio | 86.74% | 83.51% | 81.11% | 108.36% | 100.63% | 96.66% | 77.45% | 78.82% | -2,954 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.00% | -0.58% | 3.16% | 32.98% | 33.84% | 35.57% | 26.96% | -1.98% | -3,496 bps | |
| Loan Growth (YoY) | -1.69% | -0.88% | 0.40% | 43.06% | 35.06% | 34.08% | 32.35% | 8.23% | -3,483 bps | |
| Share Growth (YoY) | -2.14% | -0.96% | 2.76% | 31.35% | 33.11% | 35.25% | 25.73% | -2.20% | -3,355 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.89% | 1.05% | 0.96% | 1.61% | 1.48% | 1.41% | 1.04% | +8 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 | 10.05% | 10.12% | 9.48% | 10.13% | 10.51% | 10.39% | 10.38% | 10.72% | +60 bps | |
| Net Worth / Assets | 10.05% | 10.12% | 9.48% | 10.13% | 10.51% | 10.39% | 10.38% | 10.72% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.68% | 83.05% | 73.66% | 82.95% | 85.92% | 82.33% | 77.54% | 91.80% | +884 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbus, NE · Charter 24402 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.44%
Rank 1,187 of 1,683
Net Interest Margin
4.16%
Rank 546 of 1,683
Efficiency Ratio
78.81%
Rank 870 of 1,682
Equity / Assets
10.72%
Rank 1,214 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,187 / 1,683 | ||
| Return on Equity | 4.15% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,069 / 1,681 | ||
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 68% | 546 / 1,683 | ||
| Efficiency Ratio | 78.81% | 68.91% | 78.20% | 86.93% | Beats 48% | 870 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.04% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,150 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.72% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,214 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.72% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,214 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.80% | 52.61% | 69.38% | 83.50% | 89th pctl | 178 / 1,683 | ||
| Loans / Assets | 81.65% | 44.71% | 59.18% | 70.72% | 94th pctl | 109 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||