Credit Union Safety Analysis
Is Columbia Community Credit Union Safe? Vancouver, Washington
Based on its Q2 2026 NCUA 5300 call report, Columbia Community Credit Union has a net worth ratio of 13.29%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.93%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Columbia Community Credit Union's net worth ratio is 13.29%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.29%
- Delinquency ratio (60+ days) (Q2 2026): 0.93%
- Return on assets (Q2 2026): 1.21%
- Loan-to-share ratio (Q2 2026): 91.37%
Columbia Community Credit Union (NCUA charter 68186, established 1952) reported $2.59B in assets and 121,930 members for Q2 2026 from Vancouver, Washington. It ranks 11 of 73 credit unions in Washington by total assets. Total assets grew 4.3% from $2.49B on June 30, 2025. It has 1,327 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.75 percentage points from 12.54% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $621.4M of $2.05B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.93% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.99% for Q1 2026; 12.54% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.92% for Q1 2026; 0.85% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.34% for Q1 2026; 1.30% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 89.96% for Q1 2026; 94.28% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $621.4M
- Commercial loans: $569.1M
- New vehicle loans: $417.8M
- Used vehicle loans: $338.8M
- Unsecured credit card loans: $41.7M
- Other unsecured loans and lines of credit: $32.7M
- Other secured non-real estate loans and lines of credit: $25.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.59B | 13.29% | 0.93% | 1.21% | 91.37% |
| March 31, 2026 | $2.59B | 12.99% | 0.92% | 1.34% | 89.96% |
| December 31, 2025 | $2.56B | 12.82% | 1.02% | 1.09% | 93.10% |
| September 30, 2025 | $2.51B | 12.79% | 0.89% | 1.45% | 94.51% |
| June 30, 2025 | $2.49B | 12.54% | 0.85% | 1.30% | 94.28% |
| March 31, 2025 | $2.47B | 12.31% | 0.76% | 1.05% | 92.34% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Columbia Community Credit Union profile
Regulator records: NCUA credit union profile (charter 68186) · FFIEC NIC profile (RSSD 452588)
Frequently asked questions
Is Columbia Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Columbia Community Credit Union's net worth ratio is 13.29%, above the 7% NCUA threshold for well capitalized.
Is Columbia Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Columbia Community Credit Union is a federally insured credit union (NCUA charter 68186): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Columbia Community Credit Union's key safety ratios?
For Q2 2026, Columbia Community Credit Union reports net worth 13.29%, delinquency 0.93%, ROA 1.21%, loan-to-share 91.37%.
What happens to my money if Columbia Community Credit Union fails?
For Q2 2026, Columbia Community Credit Union held $2.24B in shares and deposits for 121,930 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.