Columbia, SC · Charter 60715
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
7
Asset Quality
76
Profitability
42
Liquidity
56
Efficiency
11
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 60715
NCUA · 1 branch
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 | 0.16% | -0.11% | 0.01% | 0.15% | 0.10% | -6 bps | |
| Return on Equity | 1.97% | -1.36% | 0.06% | 1.80% | 1.22% | -75 bps | |
| Net Interest Margin | 5.14% | 5.17% | 5.25% | 5.42% | 5.44% | +29 bps | |
| Efficiency Ratio | 93.34% | 92.59% | 91.99% | 93.62% | 94.39% | +105 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.94% | 1.85% | -0.82% | -5.14% | -5.09% | -803 bps | |
| Loan Growth (YoY) | 4.08% | 7.27% | 11.12% | 14.13% | 4.32% | +24 bps | |
| Share Growth (YoY) | 3.02% | 2.04% | -0.99% | -5.55% | -5.56% | -858 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 0.58% | 0.39% | 0.75% | 0.25% | -70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.76% | 0.72% | 0.69% | 0.78% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.17% | 8.01% | 8.17% | 8.48% | 8.58% | +41 bps | |
| Net Worth / Assets | 8.17% | 8.01% | 8.17% | 8.48% | 8.58% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.93% | 72.42% | 76.26% | 80.50% | 79.45% | +752 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbia, SC · Charter 60715 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.11%
Rank 1,442 of 1,683
Net Interest Margin
5.44%
Rank 81 of 1,683
Efficiency Ratio
94.38%
Rank 1,494 of 1,682
Equity / Assets
8.58%
Rank 1,562 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,442 / 1,683 | |
| Return on Equity | 1.24% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,404 / 1,681 | |
| Net Interest Margin | 5.44% | 3.31% | 3.82% | 4.32% | Beats 95% | 81 / 1,683 | |
| Efficiency Ratio | 94.38% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,494 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 402 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.58% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,562 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.58% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,562 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.45% | 52.61% | 69.38% | 83.50% | 68th pctl | 534 / 1,683 | |
| Loans / Assets | 72.28% | 44.71% | 59.18% | 70.72% | 78th pctl | 369 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||