Columbia, SC · Charter 61065
NCUA · 2 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 (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
93
Asset Quality
74
Profitability
32
Liquidity
0
Efficiency
79
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 61065
NCUA · 2 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 | 0.19% | 0.29% | 0.39% | 0.78% | 0.68% | 0.84% | 0.78% | 0.89% | +11 bps | |
| Return on Equity | 0.91% | 1.44% | 1.87% | 3.53% | 3.05% | 3.60% | 3.31% | 3.66% | +13 bps | |
| Net Interest Margin | 2.13% | 2.15% | 2.23% | 2.46% | 2.48% | 2.61% | 2.51% | 2.62% | +17 bps | |
| Efficiency Ratio | 72.33% | 70.02% | 77.33% | 65.37% | 65.00% | 64.21% | 69.56% | 66.82% | +145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.47% | -3.55% | -6.91% | -8.46% | -9.55% | -11.81% | -7.96% | -6.13% | +233 bps | |
| Loan Growth (YoY) | 1.29% | -5.24% | -4.23% | -7.66% | -13.48% | -16.51% | -19.04% | -15.24% | -758 bps | |
| Share Growth (YoY) | -11.71% | -4.94% | -9.16% | -11.32% | -11.66% | -15.59% | -11.11% | -8.90% | +243 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.27% | 1.30% | 2.40% | 0.72% | 1.05% | 0.23% | 0.28% | -212 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 | 20.36% | 19.79% | 20.90% | 21.99% | 22.23% | 23.27% | 23.65% | 24.31% | +233 bps | |
| Net Worth / Assets | 20.36% | 19.79% | 20.90% | 21.99% | 22.23% | 23.27% | 23.65% | 24.31% | +233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.83% | 19.43% | 20.26% | 20.39% | 19.42% | 19.22% | 18.46% | 18.97% | -142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbia, SC · Charter 61065 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.89%
Rank 694 of 1,683
Net Interest Margin
2.62%
Rank 1,594 of 1,683
Efficiency Ratio
66.77%
Rank 353 of 1,682
Equity / Assets
24.31%
Rank 110 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.35% | 0.74% | 1.18% | Beats 59% | 694 / 1,683 | ||
| Return on Equity | 3.66% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,132 / 1,681 | ||
| Net Interest Margin | 2.62% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,594 / 1,683 | ||
| Efficiency Ratio | 66.77% | 68.91% | 78.20% | 86.93% | Beats 79% | 353 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 438 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.31% | 10.44% | 12.89% | 16.53% | Beats 93% | 110 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.31% | 10.44% | 12.89% | 16.53% | Beats 93% | 110 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 18.97% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,654 / 1,683 | ||
| Loans / Assets | 14.35% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,656 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||