Columbus, OH · Charter 68447
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in the Columbus, OH area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
11
Profitability
92
Liquidity
2
Efficiency
44
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.
Columbus, OH · Charter 68447
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.26% | 0.37% | 0.08% | 0.17% | 0.37% | 1.48% | 1.19% | +111 bps | |
| Return on Equity | 2.75% | 2.81% | 4.07% | 0.88% | 1.86% | 3.91% | 15.45% | 11.91% | +1,103 bps | |
| Net Interest Margin | 4.04% | 3.93% | 3.87% | 3.98% | 4.10% | 4.21% | 4.25% | 4.36% | +38 bps | |
| Efficiency Ratio | 85.22% | 86.24% | 84.48% | 85.76% | 86.37% | 84.72% | 74.63% | 79.07% | -669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | 5.63% | 7.05% | 5.60% | 5.46% | 1.34% | -0.10% | -1.77% | -737 bps | |
| Loan Growth (YoY) | 2.33% | 7.77% | 8.76% | 8.87% | 9.52% | 2.51% | 2.72% | 1.53% | -733 bps | |
| Share Growth (YoY) | 0.44% | 3.59% | 6.35% | 5.81% | 5.69% | 2.77% | -0.54% | -3.90% | -972 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 1.73% | 1.53% | 1.89% | 1.56% | 1.43% | 1.97% | 2.13% | +25 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.61% | 9.20% | 9.02% | 9.02% | 9.20% | 9.34% | 9.56% | 10.00% | +98 bps | |
| Net Worth / Assets | 9.61% | 9.20% | 9.02% | 9.02% | 9.20% | 9.34% | 9.56% | 10.00% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.79% | 80.48% | 77.36% | 78.03% | 79.57% | 80.28% | 79.90% | 82.45% | +441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbus, OH · Charter 68447 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)
NCUA · 2 branches
Q2 2026
Return on Assets
1.19%
Rank 1 of 18
Net Interest Margin
4.36%
Rank 2 of 18
Efficiency Ratio
79.04%
Rank 11 of 18
Equity / Assets
10.00%
Rank 12 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.59% | 0.76% | 0.99% | Beats 94% | 1 / 18 | ||
| Return on Equity | 11.91% | 4.13% | 7.59% | 9.05% | Beats 94% | 1 / 18 | ||
| Net Interest Margin | 4.36% | 3.24% | 3.56% | 3.79% | Beats 89% | 2 / 18 | ||
| Efficiency Ratio | 79.04% | 72.20% | 76.10% | 84.19% | Beats 44% | 11 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.13% | 0.37% | 0.66% | 1.08% | Beats 11% | 17 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.00% | 9.66% | 10.67% | 11.63% | Beats 33% | 12 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.00% | 9.66% | 10.67% | 11.63% | Beats 33% | 12 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.45% | 47.40% | 66.89% | 76.69% | 83rd pctl | 3 / 18 | ||
| Loans / Assets | 71.06% | 43.35% | 60.60% | 69.11% | 83rd pctl | 3 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||