PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Columbia Community

Vancouver, WA · Charter 68186

NCUA · 16 branches

Q2 2026

$2.6BAssets
$2.0BLoans
$2.2BShares
$344.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.28%, up 11 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.93% of loans (+8 bps YoY).
  • Capital: net worth / assets of 13.29%, up 74 bps from a year ago.
  • Funding: loans stand at 91.37% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.28%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+15 bps YoY

Efficiency Ratio (YTD, annualized)

59.22%+28 bps YoY

Net Worth / Assets

13.29%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.92%1.05%1.17%1.25%1.20%1.34%1.28%+11 bps
Return on Equity8.48%7.58%8.51%9.31%9.81%9.34%10.31%9.61%+29 bps
Net Interest Margin3.28%3.28%3.54%3.60%3.64%3.60%3.69%3.75%+15 bps
Efficiency Ratio63.30%64.50%59.89%58.93%57.65%58.11%60.42%59.22%+28 bps
Growth
Asset Growth (YoY)4.66%4.76%1.58%1.77%3.21%4.53%5.01%4.29%+252 bps
Loan Growth (YoY)3.54%4.80%5.12%5.63%5.48%4.05%1.25%0.11%-552 bps
Share Growth (YoY)0.20%1.24%2.81%3.10%4.49%5.47%3.93%3.31%+20 bps
Asset Quality
Delinquent Loans / Loans0.53%0.99%0.76%0.85%0.89%1.02%0.92%0.93%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.07%12.15%12.31%12.55%12.79%12.82%12.99%13.29%+74 bps
Net Worth / Assets12.07%12.15%12.31%12.55%12.79%12.82%12.99%13.29%+74 bps
Liquidity & Funding
Loans / Shares93.62%94.37%92.34%94.28%94.51%93.10%89.96%91.37%-292 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps