PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Columbiana County School Empl

Lisbon, OH · Charter 63676

NCUA · 1 branch

Q2 2026

$6.0MAssets
$2.0MLoans
$4.4MShares
$1.5MNet 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 -6.39%, down 721 bps year over year; NIM at 4.81%.
  • Asset quality: problem loans at 0.65% of loans (-43 bps YoY).
  • Capital: net worth / assets of 25.39%, down 107 bps from a year ago.
  • Funding: loans stand at 44.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-6.39%-721 bps YoY

Net Interest Margin (YTD, annualized)

4.81%+2 bps YoY

Efficiency Ratio (YTD, annualized)

220%+13,883 bps YoY

Net Worth / Assets

25.39%-107 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.26%0.64%-2.70%-6.39%-721 bps
Return on Equity3.07%0.99%2.35%-9.97%-25.17%-2,825 bps
Net Interest Margin4.79%4.91%4.96%4.46%4.81%+2 bps
Efficiency Ratio81.11%94.51%88.56%143.20%220%+13,883 bps
Growth
Asset Growth (YoY)-4.81%-2.07%-1.65%-3.75%-6.66%-185 bps
Loan Growth (YoY)-3.80%-7.19%-10.67%-16.09%-19.74%-1,594 bps
Share Growth (YoY)-6.74%-2.62%-3.09%-4.77%-6.70%+5 bps
Asset Quality
Delinquent Loans / Loans1.08%1.09%1.32%0.72%0.65%-43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.94%1.96%1.63%1.91%1.72%-22 bps
Capital
Risk-Based Capital26.46%26.66%27.40%27.10%25.39%-107 bps
Net Worth / Assets26.46%26.66%27.40%27.10%25.39%-107 bps
Liquidity & Funding
Loans / Shares52.13%49.75%48.95%45.59%44.84%-729 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps