Regional Members
Columbus, GA · Charter 376 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$9.6MAssets
$5.1MLoans
$8.3MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets (rank 515 of 1683).
- Widest gap: return on equity trails 95% of credit unions under $1B in assets (rank 1590 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.67%
Rank 1,587 of 1,683
Net Interest Margin
4.20%
Rank 515 of 1,683
Efficiency Ratio
83.26%
Rank 1,105 of 1,682
Equity / Assets
13.15%
Rank 795 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.67% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,587 / 1,683 | | |
| Return on Equity | -5.06% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,590 / 1,681 | | |
| Net Interest Margin | 4.20% | 3.31% | 3.82% | 4.32% | Beats 69% | 515 / 1,683 | | |
| Efficiency Ratio | 83.26% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,105 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.68% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,384 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.15% | 10.44% | 12.89% | 16.53% | Beats 53% | 795 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.15% | 10.44% | 12.89% | 16.53% | Beats 53% | 795 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.95% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,074 / 1,683 | | |
| Loans / Assets | 52.63% | 44.71% | 59.18% | 70.72% | 39th pctl | 1,034 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |