PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Columbia

Columbia, MO · Charter 62930

NCUA · 3 branches

Q2 2026

$34.5MAssets
$19.9MLoans
$30.6MShares
$3.4MNet 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 1.17%, up 94 bps year over year; NIM at 5.18%.
  • Asset quality: problem loans at 0.07% of loans (-8 bps YoY).
  • Capital: net worth / assets of 9.87%, down 15 bps from a year ago.
  • Funding: loans stand at 65.00% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.17%+94 bps YoY

Net Interest Margin (quarter, annualized)

5.18%-6 bps YoY

Efficiency Ratio (quarter, annualized)

81.51%-1,447 bps YoY

Net Worth / Assets

9.87%-15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.23%0.16%1.18%1.17%+94 bps
Return on Equity2.28%2.37%1.70%12.13%11.80%+952 bps
Net Interest Margin5.23%5.14%5.20%5.23%5.18%-6 bps
Efficiency Ratio95.98%95.87%97.06%81.69%81.51%-1,447 bps
Growth
Asset Growth (YoY)2.16%7.09%8.01%9.91%8.52%+636 bps
Loan Growth (YoY)-1.88%4.90%10.74%9.22%6.45%+832 bps
Share Growth (YoY)1.74%7.79%8.50%10.41%8.12%+637 bps
Asset Quality
Delinquent Loans / Loans0.16%0.10%0.09%0.08%0.07%-8 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 Capital10.03%9.71%9.68%9.76%9.87%-15 bps
Net Worth / Assets10.03%9.71%9.68%9.76%9.87%-15 bps
Liquidity & Funding
Loans / Shares66.02%67.35%66.78%64.54%65.00%-102 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps