Credit Union Safety Analysis
Is Columbia Credit Union Safe? Columbia, Missouri
Based on its Q2 2026 NCUA 5300 call report, Columbia Credit Union has a net worth ratio of 9.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.07%, 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 Credit Union's net worth ratio is 9.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.87%
- Delinquency ratio (60+ days) (Q2 2026): 0.07%
- Return on assets (Q2 2026): 1.17%
- Loan-to-share ratio (Q2 2026): 65.00%
Columbia Credit Union (NCUA charter 62930, established 1935) reported $34.4M in assets and 2,142 members for Q2 2026 from Columbia, Missouri. It ranks 48 of 85 credit unions in Missouri by total assets. Total assets grew 8.5% from $31.7M on June 30, 2025. It has 28 more members than on June 30, 2025 (+1.3%). Its net worth ratio was down 0.16 percentage points from 10.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $8.6M of $19.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.07% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.76% for Q1 2026; 10.03% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.08% for Q1 2026; 0.16% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.18% for Q1 2026; 0.32% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 64.54% for Q1 2026; 66.02% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $8.6M
- Used vehicle loans: $6.1M
- New vehicle loans: $3.0M
- Commercial loans: $805K
- Other secured non-real estate loans and lines of credit: $587K
- Other unsecured loans and lines of credit: $417K
- Unsecured credit card loans: $339K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $34.4M | 9.87% | 0.07% | 1.17% | 65.00% |
| March 31, 2026 | $33.8M | 9.76% | 0.08% | 1.18% | 64.54% |
| December 31, 2025 | $33.1M | 9.68% | 0.09% | -0.03% | 66.78% |
| September 30, 2025 | $33.0M | 9.71% | 0.10% | 0.25% | 67.35% |
| June 30, 2025 | $31.7M | 10.03% | 0.16% | 0.32% | 66.02% |
| March 31, 2025 | $30.8M | 10.26% | 0.12% | 0.15% | 65.25% |
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Free to use. It shows Columbia Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 62930) · FFIEC NIC profile (RSSD 237897)
Frequently asked questions
Is Columbia Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Columbia Credit Union's net worth ratio is 9.87%, above the 7% NCUA threshold for well capitalized.
Is Columbia Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Columbia Credit Union is a federally insured credit union (NCUA charter 62930): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Columbia Credit Union's key safety ratios?
For Q2 2026, Columbia Credit Union reports net worth 9.87%, delinquency 0.07%, ROA 1.17%, loan-to-share 65.00%.
What happens to my money if Columbia Credit Union fails?
For Q2 2026, Columbia Credit Union held $30.6M in shares and deposits for 2,142 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.