Columbus, OH · Charter 294
NCUA · 6 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 in the Columbus, OH area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
50
Profitability
65
Liquidity
0
Efficiency
61
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, OH · Charter 294
NCUA · 6 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 | 0.26% | 0.22% | 0.20% | 0.39% | 0.39% | 0.40% | 0.65% | 0.76% | +38 bps | |
| Return on Equity | 3.08% | 2.76% | 2.50% | 4.73% | 4.68% | 4.77% | 7.74% | 8.84% | +411 bps | |
| Net Interest Margin | 3.46% | 3.38% | 3.49% | 3.64% | 3.78% | 3.76% | 3.86% | 3.98% | +33 bps | |
| Efficiency Ratio | 81.57% | 80.68% | 75.26% | 74.65% | 76.77% | 77.23% | 77.88% | 75.52% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.30% | 4.08% | 7.48% | 5.51% | 3.51% | 2.20% | 1.26% | 1.36% | -415 bps | |
| Loan Growth (YoY) | -8.57% | -10.55% | -9.29% | -5.48% | 0.53% | 6.28% | 5.77% | 6.31% | +1,179 bps | |
| Share Growth (YoY) | 3.86% | 6.66% | 7.46% | 5.35% | 3.33% | 1.51% | 0.62% | 0.55% | -480 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.88% | 0.78% | 0.64% | 0.71% | 0.80% | 0.73% | 0.66% | +3 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 | 8.37% | 8.12% | 7.93% | 8.17% | 8.42% | 8.34% | 8.34% | 8.64% | +48 bps | |
| Net Worth / Assets | 8.37% | 8.12% | 7.93% | 8.17% | 8.42% | 8.34% | 8.34% | 8.64% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.79% | 80.16% | 77.83% | 79.28% | 85.41% | 83.92% | 81.82% | 83.82% | +454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbus, OH · Charter 294 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)
NCUA · 6 branches
Q2 2026
Return on Assets
0.76%
Rank 9 of 18
Net Interest Margin
3.97%
Rank 4 of 18
Efficiency Ratio
75.53%
Rank 8 of 18
Equity / Assets
8.64%
Rank 17 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.59% | 0.76% | 0.99% | Beats 50% | 9 / 18 | ||
| Return on Equity | 8.84% | 4.13% | 7.59% | 9.05% | Beats 67% | 6 / 18 | ||
| Net Interest Margin | 3.97% | 3.24% | 3.56% | 3.79% | Beats 78% | 4 / 18 | ||
| Efficiency Ratio | 75.53% | 72.20% | 76.10% | 84.19% | Beats 61% | 8 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.66% | 0.37% | 0.66% | 1.08% | Beats 50% | 10 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.64% | 9.66% | 10.67% | 11.63% | Beats 6% | 17 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.64% | 9.66% | 10.67% | 11.63% | Beats 6% | 17 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.82% | 47.40% | 66.89% | 76.69% | 89th pctl | 2 / 18 | ||
| Loans / Assets | 76.54% | 43.35% | 60.60% | 69.11% | 94th pctl | 1 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||