COLUMBIA COMMUNITY

Charter #68186 | WA

1B-3B (304 CUs) Mid-Market (380 CUs)
9 1B-3B in WA

COLUMBIA COMMUNITY has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 13.3% in tier
  • + Relationship Depth Leader: Top 14.3% in tier
  • + Wallet Share Momentum: Top 31.0% in tier
  • + ROA 0.56% above tier average
  • + Net Interest Margin 0.39% above tier average
  • + Efficiency Ratio: Top 3.0% in tier
  • + Total Loans: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.1% in tier
  • - Growth-at-Risk: Bottom 7.7% in tier
  • - Indirect Auto Dependency: Bottom 17.0% in tier
  • - Liquidity Strain: Bottom 21.6% in tier
  • - Liquidity Overhang: Bottom 29.0% in tier
  • - Delinquency rate 0.06% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 121,550
+3.0% YoY+0.8% QoQ
 +22.9K 98,678
-1.9% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 73rd in tier
Assets $2.5B
+3.2% YoY+1.0% QoQ
 +$790.5M $1.7B
+0.5% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 Top 15.5% in tier
Loans $2.1B
+5.5% YoY+0.9% QoQ
 +$828.8M $1.2B
+0.5% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 7.2% in tier
Deposits $2.2B
+4.5% YoY+0.6% QoQ
 +$727.3M $1.5B
+1.3% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 11.2% in tier
ROA 1.3%
+23.4% YoY+7.5% QoQ
 +0.6% 0.7%
+13.4% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 Top 10.2% in tier
NIM 3.7%
+11.6% YoY+1.1% QoQ
 +0.4% 3.3%
+9.3% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 Top 24.0% in tier
Efficiency Ratio 57.7%
-8.9% YoY-2.2% QoQ
 -16.3% 74.0%
-10.9% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 Bottom 3.0% in tier
Delinquency Rate 0.9%
+66.6% YoY+4.9% QoQ
 +0.1 0.8%
+6.1% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 69th in tier
Loan To Share 94.5%
+0.9% YoY+0.2% QoQ
 +9.3% 85.2%
-0.8% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $34,911
+1.9% YoY-0.1% QoQ
 +$6K $29,172
+2.8% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 Top 15.5% in tier
CD Concentration 26.9%
+5.3% YoY+2.4% QoQ
 -2.1% 29.0%
+0.8% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 42nd in tier
Indirect Auto % 31.4%
-6.4% YoY-0.6% QoQ
 +12.6% 18.8%
-2.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 Top 22.2% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#97 of 246 • Top 13.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.99%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.26%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 31.44%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#104 of 264 • Top 14.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.92%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.9K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#225 of 264 • Top 31.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.92%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#40 of 217 • Bottom 5.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.35% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#44 of 161 • Bottom 7.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.48%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.35% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#106 of 202 • Bottom 17.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.21%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 31.44%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.99%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#114 of 183 • Bottom 21.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.51%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.48%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Liquidity Overhang

risk
#94 of 113 • Bottom 29.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.79%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 94.51%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (10 metrics)

10
Efficiency Ratio
profitability
Value: 57.65%
Peer Avg: 73.97%
#10 of 304 Top 3.0% in 1B-3B tier
22
Total Loans
balance_sheet
Value: $2.06B
Peer Avg: $1.23B
#22 of 304 Top 6.9% in 1B-3B tier
31
Return on Assets (ROA)
profitability
Value: 1.26%
Peer Avg: 0.70%
#31 of 304 Top 9.9% in 1B-3B tier
34
Total Deposits
balance_sheet
Value: $2.18B
Peer Avg: $1.45B
#34 of 304 Top 10.9% in 1B-3B tier
40
Loan-to-Member Ratio (LMR)
engagement
Value: $16,963
Peer Avg: $13,213
#40 of 304 Top 12.8% in 1B-3B tier
42
First Mortgage Concentration (%)
balance_sheet
Value: 18.40%
Peer Avg: 34.01%
#42 of 304 Top 13.5% in 1B-3B tier
47
Average Member Relationship (AMR)
engagement
Value: $34,911
Peer Avg: $29,172
#47 of 304 Top 15.1% in 1B-3B tier
47
Total Assets
balance_sheet
Value: $2.51B
Peer Avg: $1.72B
#47 of 304 Top 15.1% in 1B-3B tier
65
Net Worth Ratio
risk
Value: 12.79%
Peer Avg: 11.44%
#65 of 304 Top 21.1% in 1B-3B tier
73
Net Interest Margin (NIM)
profitability
Value: 3.66%
Peer Avg: 3.26%
#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (1 metrics)

240
Indirect Auto Concentration (%)
balance_sheet
Value: 31.44%
Peer Avg: 18.32%
#240 of 304 Bottom 21.4% in 1B-3B tier