West Columbia, SC · Charter 24623
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 (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
34
Asset Quality
7
Profitability
34
Liquidity
74
Efficiency
5
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.
West Columbia, SC · Charter 24623
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 | 0.23% | 0.08% | 6.52% | 1.91% | 5.49% | 3.93% | -0.96% | -0.90% | -281 bps | |
| Return on Equity | 2.68% | 0.95% | 68.97% | 23.02% | 47.86% | 33.73% | -8.42% | -8.01% | -3,103 bps | |
| Net Interest Margin | 6.27% | 6.05% | 4.85% | 4.90% | 5.15% | 5.56% | 5.08% | 5.26% | +36 bps | |
| Efficiency Ratio | 95.17% | 99.01% | 55.84% | 77.65% | 60.04% | 69.43% | 105.70% | 108.25% | +3,060 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.50% | 3.36% | 2.91% | 14.43% | 15.50% | 7.75% | 2.17% | -5.49% | -1,992 bps | |
| Loan Growth (YoY) | -8.47% | -16.56% | -17.50% | -14.38% | -15.35% | -9.84% | 2.12% | 2.37% | +1,675 bps | |
| Share Growth (YoY) | 0.67% | 3.93% | -0.19% | 9.33% | 11.68% | 3.81% | 2.05% | -3.79% | -1,311 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.46% | 5.77% | 3.49% | 4.93% | 1.90% | 2.53% | 2.11% | 3.19% | -174 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 | 0.79% | 0.58% | 0.53% | 0.42% | 0.45% | 0.45% | 0.61% | 0.61% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.58% | 8.31% | 9.45% | 8.28% | 11.47% | 11.64% | 11.43% | 11.25% | +297 bps | |
| Net Worth / Assets | 8.58% | 8.31% | 9.45% | 8.28% | 11.47% | 11.64% | 11.43% | 11.25% | +297 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.83% | 67.55% | 62.76% | 57.82% | 55.20% | 58.67% | 62.81% | 61.52% | +370 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Columbia, SC · Charter 24623 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.90%
Rank 1,605 of 1,683
Net Interest Margin
5.27%
Rank 100 of 1,683
Efficiency Ratio
108.33%
Rank 1,605 of 1,682
Equity / Assets
11.25%
Rank 1,109 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.90% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,605 / 1,683 | ||
| Return on Equity | -7.97% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,611 / 1,681 | ||
| Net Interest Margin | 5.27% | 3.31% | 3.82% | 4.32% | Beats 94% | 100 / 1,683 | ||
| Efficiency Ratio | 108.33% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,605 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.17% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,563 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.25% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,109 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.25% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,109 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.51% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,065 / 1,683 | ||
| Loans / Assets | 54.72% | 44.71% | 59.18% | 70.72% | 42nd pctl | 980 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||