Columbia, SC · Charter 24404
NCUA · 4 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
70
Asset Quality
39
Profitability
38
Liquidity
82
Efficiency
13
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 24404
NCUA · 4 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 | 0.48% | 0.60% | 0.70% | 0.60% | 0.47% | 0.27% | 0.28% | 0.32% | -28 bps | |
| Return on Equity | 3.32% | 3.94% | 4.45% | 3.77% | 2.92% | 1.74% | 1.82% | 2.06% | -171 bps | |
| Net Interest Margin | 4.01% | 4.15% | 4.42% | 4.43% | 4.45% | 4.39% | 4.15% | 4.24% | -19 bps | |
| Efficiency Ratio | 87.62% | 85.98% | 82.66% | 84.48% | 87.10% | 89.62% | 93.29% | 93.46% | +898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.34% | 4.92% | -4.32% | -3.39% | -6.32% | -3.16% | 23.07% | 38.84% | +4,223 bps | |
| Loan Growth (YoY) | 4.06% | 2.76% | 2.72% | -0.17% | -4.99% | -6.86% | 0.29% | 25.12% | +2,529 bps | |
| Share Growth (YoY) | 0.84% | 1.31% | -2.15% | -1.15% | 5.63% | 5.36% | 30.46% | 47.02% | +4,817 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.56% | 0.42% | 0.81% | 0.77% | 0.97% | 0.79% | 0.88% | +7 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 | 14.59% | 15.11% | 15.66% | 15.88% | 16.07% | 15.79% | 15.39% | 15.41% | -47 bps | |
| Net Worth / Assets | 14.59% | 15.11% | 15.66% | 15.88% | 16.07% | 15.79% | 15.39% | 15.41% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.75% | 88.87% | 87.25% | 86.24% | 80.72% | 78.56% | 67.07% | 73.40% | -1,284 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbia, SC · Charter 24404 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.32%
Rank 1,296 of 1,683
Net Interest Margin
4.24%
Rank 475 of 1,683
Efficiency Ratio
93.45%
Rank 1,472 of 1,682
Equity / Assets
15.41%
Rank 511 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,296 / 1,683 | ||
| Return on Equity | 2.06% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,339 / 1,681 | ||
| Net Interest Margin | 4.24% | 3.31% | 3.82% | 4.32% | Beats 72% | 475 / 1,683 | ||
| Efficiency Ratio | 93.45% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,472 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,026 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 511 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 511 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.40% | 52.61% | 69.38% | 83.50% | 58th pctl | 713 / 1,683 | ||
| Loans / Assets | 62.81% | 44.71% | 59.18% | 70.72% | 58th pctl | 705 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||