COLUMBIANA COUNTY SCHOOL EMPL
Charter #63676 · Lisbon, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 27.10% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -2.68% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 4.43% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.15% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.71% sits at the 95th percentile of structural peers — worth a closer look.
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 | COLUMBIANA COUNTY SCHOOL EMPL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.22M | 73th pct | 46th pct |
| Members | 839 | 73th pct | 54th pct |
| Net worth ratio | 27.10% | 80th pct | 85th pct |
| Return on average assets | -2.68% | 8th pct | 0th pct |
| Net interest margin | 4.43% | 62th pct | 85th pct |
| Cost of funds | 0.15% | 25th pct | 11th pct |
| Loan-to-share | 45.59% | 36th pct | 39th pct |
| Delinquency 60+ days | 0.72% | 47th pct | 67th pct |
| Net charge-off ratio | 1.71% | 90th pct | 95th pct |
| Loan growth YoY | -11.13% | 24th pct | 25th pct |
| Share growth YoY | -3.03% | 27th pct | 21th pct |
| Efficiency ratio | 143.20% | 92th pct | 98th pct |
structural peer set hash: 04c4529b245cc89895b6c5f1c5f9d7fb… (reproducible)
Closest structural peers
This is the free public view
Claim COLUMBIANA COUNTY SCHOOL EMPL
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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.