Columbus, OH · Charter 96770
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 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 in the Columbus, OH area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
5
Profitability
40
Liquidity
0
Efficiency
100
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 96770
NCUA · 1 branch
Q2 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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.92% | 2.16% | 3.08% | 3.46% | 3.04% | 3.14% | 0.61% | 0.46% | -300 bps | |
| Return on Equity | 7.35% | 8.19% | 11.47% | 11.37% | 10.30% | 9.62% | 1.95% | 1.35% | -1,002 bps | |
| Net Interest Margin | 4.17% | 4.06% | 4.00% | 4.80% | 4.35% | 4.56% | 3.69% | 3.41% | -138 bps | |
| Efficiency Ratio | 34.33% | 32.80% | 28.32% | 27.16% | 29.31% | 30.83% | 39.43% | 61.91% | +3,475 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.84% | -14.26% | -7.93% | -14.21% | -1.36% | -10.67% | -7.20% | -5.01% | +920 bps | |
| Loan Growth (YoY) | 21.24% | 17.58% | 18.83% | 27.49% | 3.05% | -6.12% | -15.65% | -26.52% | -5,401 bps | |
| Share Growth (YoY) | -20.71% | -20.32% | -13.16% | -23.65% | -5.90% | -18.29% | -12.79% | -7.59% | +1,606 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.89% | 5.29% | +529 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 | 1.00% | 1.00% | 0.93% | 1.02% | 1.13% | 1.24% | 1.82% | 1.96% | +95 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.08% | 26.31% | 26.90% | 30.42% | 29.49% | 32.60% | 31.30% | 33.65% | +323 bps | |
| Net Worth / Assets | 26.08% | 26.31% | 26.90% | 30.42% | 29.49% | 32.60% | 31.30% | 33.65% | +323 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.86% | 102.75% | 111.17% | 139.03% | 114.84% | 118.06% | 107.52% | 110.56% | -2,848 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 96770 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=19)
NCUA · 1 branch
Q2 2025
Return on Assets
0.58%
Rank 10 of 19
Net Interest Margin
3.46%
Rank 9 of 19
Efficiency Ratio
58.33%
Rank 1 of 19
Equity / Assets
33.57%
Rank 1 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.29% | 0.58% | 0.92% | Beats 47% | 10 / 19 | ||
| Return on Equity | 1.72% | 1.72% | 4.73% | 8.22% | Beats 21% | 15 / 19 | ||
| Net Interest Margin | 3.46% | 2.76% | 3.42% | 3.78% | Beats 53% | 9 / 19 | ||
| Efficiency Ratio | 58.33% | 74.65% | 78.37% | 86.43% | Beats 100% | 1 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.30% | 0.36% | 0.56% | 0.92% | Beats 5% | 19 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 33.65% | 9.37% | 10.30% | 11.93% | Beats 95% | 1 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 33.57% | 9.37% | 10.30% | 11.92% | Beats 95% | 1 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.56% | 49.71% | 68.65% | 78.03% | 95th pctl | 1 / 19 | ||
| Loans / Assets | 73.34% | 43.96% | 60.46% | 67.38% | 89th pctl | 2 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||