Columbia, MO · Charter 65656
NCUA · 7 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
79
Profitability
12
Liquidity
60
Efficiency
8
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, MO · Charter 65656
NCUA · 7 branches
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.86% | 0.95% | 0.83% | 1.19% | 1.14% | 0.97% | -0.24% | -107 bps | |
| Return on Equity | 7.91% | 8.98% | 9.51% | 8.49% | 11.73% | 11.20% | 9.45% | -2.43% | -1,093 bps | |
| Net Interest Margin | 3.00% | 3.07% | 3.13% | 3.00% | 3.23% | 3.25% | 3.29% | 2.82% | -18 bps | |
| Efficiency Ratio | 78.18% | 75.08% | 73.76% | 78.97% | 70.67% | 68.80% | 72.03% | 100.07% | +2,110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.04% | -1.31% | 2.24% | 4.34% | 4.25% | 4.65% | 5.29% | 6.74% | +240 bps | |
| Loan Growth (YoY) | 27.06% | 18.54% | 8.42% | 1.79% | 0.58% | -2.27% | -5.39% | -8.69% | -1,048 bps | |
| Share Growth (YoY) | -2.67% | -2.67% | 1.26% | 3.02% | 3.12% | 3.49% | 5.02% | 6.75% | +373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.13% | 0.20% | 0.11% | 0.17% | 0.15% | 0.17% | 0.16% | +6 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 | 0.23% | 0.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 9.62% | 9.95% | 9.81% | 10.11% | 10.21% | 10.31% | 9.68% | -12 bps | |
| Net Worth / Assets | 9.37% | 9.62% | 9.95% | 9.81% | 10.11% | 10.21% | 10.31% | 9.68% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.19% | 69.67% | 69.86% | 68.25% | 67.48% | 65.79% | 62.94% | 58.38% | -987 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbia, MO · Charter 65656 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 7 branches
Q1 2025
Return on Assets
-0.24%
Rank 1,494 of 1,678
Net Interest Margin
2.82%
Rank 1,437 of 1,677
Efficiency Ratio
100.09%
Rank 1,536 of 1,675
Equity / Assets
9.68%
Rank 1,324 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.24% | 0.24% | 0.67% | 1.21% | Beats 11% | 1,494 / 1,678 | ||
| Return on Equity | -2.44% | 1.96% | 5.37% | 8.99% | Beats 10% | 1,500 / 1,675 | ||
| Net Interest Margin | 2.82% | 3.12% | 3.67% | 4.25% | Beats 14% | 1,437 / 1,677 | ||
| Efficiency Ratio | 100.09% | 68.92% | 78.89% | 88.44% | Beats 8% | 1,536 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.21% | 0.58% | 1.19% | Beats 79% | 354 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.68% | 10.02% | 12.33% | 15.89% | Beats 21% | 1,325 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.68% | 10.02% | 12.33% | 15.89% | Beats 21% | 1,324 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.38% | 54.28% | 70.33% | 83.29% | 31st pctl | 1,165 / 1,677 | ||
| Loans / Assets | 51.83% | 46.21% | 59.98% | 70.96% | 33rd pctl | 1,119 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||