Columbiana County School Empl
Lisbon, OH · Charter 63676 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$6.0MAssets
$2.0MLoans
$4.4MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets (rank 94 of 1683).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets (rank 1673 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-6.39%
Rank 1,673 of 1,683
Net Interest Margin
4.80%
Rank 204 of 1,683
Efficiency Ratio
220%
Rank 1,673 of 1,682
Equity / Assets
25.38%
Rank 94 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -6.39% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,673 / 1,683 | |
| Return on Equity | -25.18% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,660 / 1,681 | |
| Net Interest Margin | 4.80% | 3.31% | 3.82% | 4.32% | Beats 88% | 204 / 1,683 | |
| Efficiency Ratio | 220% | 68.91% | 78.20% | 86.93% | Beats 1% | 1,673 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 843 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.39% | 10.44% | 12.89% | 16.53% | Beats 94% | 94 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.38% | 10.44% | 12.89% | 16.53% | Beats 94% | 94 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 44.85% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,406 / 1,683 | |
| Loans / Assets | 32.87% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,505 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |