| Metric | Columbia Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +1.3% | +7.2 pts |
| Share growth (YoY) | +8.1% | +0.9% | +7.2 pts |
| Loan growth (YoY) | +6.5% | -2.6% | +9.1 pts |
| ROA | 1.17% | 0.65% | +0.5 pts |
| ROE | 11.8% | 4.4% | +7.4 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.4M | $30.6M | $19.9M | $3.4M | $201K | 1.17% | 5.18% | 0.07% | 2,142 |
| Q1 2026 | $33.8M | $30.3M | $19.5M | $3.3M | $100K | 1.18% | 5.23% | 0.08% | 2,126 |
| Q4 2025 | $33.1M | $29.5M | $19.7M | $3.2M | $54K | 0.16% | 5.20% | 0.09% | 2,129 |
| Q3 2025 | $33.0M | $29.5M | $19.9M | $3.2M | $57K | 0.23% | 5.14% | 0.10% | 2,082 |
| Q2 2025 | $31.7M | $28.3M | $18.7M | $3.2M | $36K | 0.23% | 5.23% | 0.16% | 2,114 |
| Q1 2025 | $30.8M | $27.4M | $17.9M | $3.2M | $11K | 0.15% | 5.30% | 0.12% | 2,102 |
| Q4 2024 | $30.6M | $27.2M | $17.8M | $3.1M | $289K | 0.94% | 5.46% | 0.14% | 2,092 |
| Q3 2024 | $30.8M | $27.4M | $19.0M | $3.1M | $292K | 1.26% | 5.41% | 0.02% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Columbia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.4% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,097 |
| Q2 2024 | $31.1M | $27.9M | $19.1M | $3.0M | $192K | 1.23% | 5.34% | 0.02% | 2,113 |
Loan mix (Q2 2026): real estate $8.6M · commercial $805K · consumer $9.9M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 80.6% | 52nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Columbia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Columbia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Columbia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Columbia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Columbia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 3 states (+1 vs 2025). Biggest market: Boone, MO, ranked 27th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Boone, MO | 2 | $15.3M* | 0.23% | 27th |
| Pinellas, FL | 1 | $7.7M* | 0.01% | 49th |
| Kent, MI | 1 | $7.7M* | 0.02% | 66th |
Missouri: 320th with 0.01% · Florida: 319th with 0.00% · Michigan: 290th with 0.00% · Columbia metro: 33rd, 0.21% · Tampa-St. Petersburg-Clearwater metro: 92nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4