Columbus, NE · Charter 24872
NCUA · 2 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
44
Profitability
20
Liquidity
29
Efficiency
0
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 24872
NCUA · 2 branches
Q1 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.92% | -2.04% | -2.13% | -1.86% | -12.45% | -953 bps | |
| Return on Equity | -21.92% | -16.10% | -16.30% | -13.05% | -105.17% | -8,324 bps | |
| Net Interest Margin | 2.32% | 2.32% | 2.67% | 3.09% | 3.81% | +149 bps | |
| Efficiency Ratio | 206% | 175.29% | 169.55% | 150.08% | 345% | +13,901 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.36% | -9.58% | -11.63% | -12.25% | -16.77% | -541 bps | |
| Loan Growth (YoY) | 29.14% | 29.70% | 16.17% | 3.44% | -5.81% | -3,495 bps | |
| Share Growth (YoY) | -6.05% | 1.40% | -0.99% | -8.32% | -17.29% | -1,124 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.43% | 0.42% | 0.36% | 0.69% | +44 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 | 13.31% | 12.70% | 13.06% | 14.23% | 11.84% | -148 bps | |
| Net Worth / Assets | 13.31% | 12.70% | 13.06% | 14.23% | 11.84% | -148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.25% | 75.20% | 82.29% | 86.22% | 85.70% | +1,045 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbus, NE · Charter 24872 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 2 branches
Q1 2025
Return on Assets
-12.45%
Rank 1,666 of 1,678
Net Interest Margin
3.81%
Rank 722 of 1,677
Efficiency Ratio
346%
Rank 1,670 of 1,675
Equity / Assets
11.84%
Rank 914 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -12.45% | 0.24% | 0.67% | 1.21% | Beats 1% | 1,666 / 1,678 | |
| Return on Equity | -105.15% | 1.96% | 5.37% | 8.99% | Beats 1% | 1,666 / 1,675 | |
| Net Interest Margin | 3.81% | 3.12% | 3.67% | 4.25% | Beats 57% | 722 / 1,677 | |
| Efficiency Ratio | 346% | 68.92% | 78.89% | 88.44% | Beats 0% | 1,670 / 1,675 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.21% | 0.58% | 1.19% | Beats 44% | 941 / 1,676 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.84% | 10.02% | 12.33% | 15.89% | Beats 45% | 916 / 1,678 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.84% | 10.02% | 12.33% | 15.89% | Beats 45% | 914 / 1,677 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.70% | 54.28% | 70.33% | 83.29% | 80th pctl | 337 / 1,677 | |
| Loans / Assets | 72.46% | 46.21% | 59.98% | 70.96% | 79th pctl | 348 / 1,677 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||