COLUMBIA POST OFFICE
Charter #61065 · COLUMBIA, SC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.65% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.50% sits at the 8th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.64% sits at the 79th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 43rd — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COLUMBIA POST OFFICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.60M | 51th pct | 64th pct |
| Members | 1,202 | 12th pct | 26th pct |
| Net worth ratio | 23.65% | 93th pct | 85th pct |
| Return on average assets | 0.78% | 57th pct | 44th pct |
| Net interest margin | 2.50% | 6th pct | 8th pct |
| Cost of funds | 0.74% | 46th pct | 48th pct |
| Loan-to-share | 18.46% | 2th pct | 3th pct |
| Delinquency 60+ days | 0.23% | 32th pct | 36th pct |
| Net charge-off ratio | 0.64% | 76th pct | 79th pct |
| Loan growth YoY | -10.35% | 6th pct | 20th pct |
| Share growth YoY | -5.65% | 3th pct | 7th pct |
| Efficiency ratio | 69.56% | 25th pct | 43th pct |
structural peer set hash: daf0c7907bd793d08813f6635dcedf06… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.