Columbia, SC · Charter 24824
NCUA · 19 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
38
Profitability
96
Liquidity
23
Efficiency
93
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 24824
NCUA · 19 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.87% | 1.97% | 1.84% | 2.05% | 2.06% | +20 bps | |
| Return on Equity | 12.82% | 13.14% | 12.23% | 13.53% | 13.24% | +42 bps | |
| Net Interest Margin | 3.97% | 4.04% | 4.06% | 4.20% | 4.23% | +27 bps | |
| Efficiency Ratio | 54.71% | 55.07% | 54.91% | 58.53% | 55.83% | +112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.21% | -1.54% | 6.20% | 4.58% | 5.48% | +669 bps | |
| Loan Growth (YoY) | 6.01% | 6.58% | 7.45% | 5.31% | 4.06% | -196 bps | |
| Share Growth (YoY) | 4.79% | 4.61% | 4.40% | 4.16% | 4.34% | -44 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 0.82% | 0.92% | 0.80% | 0.82% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.55% | 15.02% | 15.03% | 15.18% | 15.57% | +102 bps | |
| Net Worth / Assets | 14.55% | 15.02% | 15.03% | 15.18% | 15.57% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.39% | 71.70% | 71.93% | 69.79% | 70.20% | -19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbia, SC · Charter 24824 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 19 branches
Q2 2026
Return on Assets
2.06%
Rank 4 of 435
Net Interest Margin
4.23%
Rank 26 of 435
Efficiency Ratio
55.83%
Rank 30 of 435
Equity / Assets
15.57%
Rank 28 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.06% | 0.55% | 0.81% | 1.14% | Beats 99% | 4 / 435 | |
| Return on Equity | 13.24% | 5.12% | 7.41% | 9.70% | Beats 95% | 21 / 435 | |
| Net Interest Margin | 4.23% | 3.01% | 3.39% | 3.75% | Beats 94% | 26 / 435 | |
| Efficiency Ratio | 55.83% | 65.25% | 71.39% | 77.86% | Beats 93% | 30 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.82% | 0.45% | 0.69% | 1.05% | Beats 38% | 269 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.57% | 9.81% | 10.84% | 12.63% | Beats 94% | 28 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.57% | 9.81% | 10.84% | 12.63% | Beats 94% | 28 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.20% | 78.33% | 88.38% | 95.61% | 14th pctl | 375 / 435 | |
| Loans / Assets | 58.77% | 67.69% | 74.58% | 80.80% | 13th pctl | 379 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||