PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Columbia Post Office

Columbia, SC · Charter 61065

NCUA · 2 branches

Q2 2026

$25.2MAssets
$3.6MLoans
$19.0MShares
$6.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.89%, up 11 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.28% of loans (-212 bps YoY).
  • Capital: net worth / assets of 24.31%, up 233 bps from a year ago.
  • Funding: loans stand at 18.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+17 bps YoY

Efficiency Ratio (YTD, annualized)

66.82%+145 bps YoY

Net Worth / Assets

24.31%+233 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.68%0.84%0.78%0.89%+11 bps
Return on Equity3.53%3.05%3.60%3.31%3.66%+13 bps
Net Interest Margin2.46%2.48%2.61%2.51%2.62%+17 bps
Efficiency Ratio65.37%65.00%64.21%69.56%66.82%+145 bps
Growth
Asset Growth (YoY)-8.46%-9.55%-11.81%-7.96%-6.13%+233 bps
Loan Growth (YoY)-7.66%-13.48%-16.51%-19.04%-15.24%-758 bps
Share Growth (YoY)-11.32%-11.66%-15.59%-11.11%-8.90%+243 bps
Asset Quality
Delinquent Loans / Loans2.40%0.72%1.05%0.23%0.28%-212 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.99%22.23%23.27%23.65%24.31%+233 bps
Net Worth / Assets21.99%22.23%23.27%23.65%24.31%+233 bps
Liquidity & Funding
Loans / Shares20.39%19.42%19.22%18.46%18.97%-142 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps