COLUMBIA
Charter #62930 · Columbia, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.76% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 1.20% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.29% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.14% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.08% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.84M | 70th pct | 56th pct |
| Members | 2,126 | 51th pct | 41th pct |
| Net worth ratio | 9.76% | 16th pct | 21th pct |
| Return on average assets | 1.20% | 76th pct | 80th pct |
| Net interest margin | 5.29% | 95th pct | 95th pct |
| Cost of funds | 0.14% | 10th pct | 16th pct |
| Loan-to-share | 64.54% | 61th pct | 61th pct |
| Delinquency 60+ days | 0.08% | 20th pct | 25th pct |
| Net charge-off ratio | 0.03% | 40th pct | 31th pct |
| Loan growth YoY | -1.76% | 55th pct | 39th pct |
| Share growth YoY | 2.52% | 50th pct | 54th pct |
| Efficiency ratio | 81.69% | 53th pct | 49th pct |
structural peer set hash: dcfc5d43e89017397760c05ce7e5678f… (reproducible)
Closest structural peers
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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.