North Augusta, SC · Charter 24410
NCUA · 21 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
46
Profitability
86
Liquidity
73
Efficiency
63
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
North Augusta, SC · Charter 24410
NCUA · 21 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.64% | 1.39% | 1.22% | 1.34% | -16 bps | |
| Return on Equity | 11.26% | 11.92% | 10.33% | 9.06% | 9.70% | -156 bps | |
| Net Interest Margin | 4.53% | 4.63% | 4.31% | 4.52% | 4.57% | +4 bps | |
| Efficiency Ratio | 64.25% | 64.20% | 65.30% | 68.95% | 67.92% | +366 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.10% | 10.36% | 9.53% | 5.78% | 5.69% | -541 bps | |
| Loan Growth (YoY) | 16.00% | 22.75% | 15.76% | 13.38% | 12.46% | -354 bps | |
| Share Growth (YoY) | 10.64% | 10.33% | 7.18% | 5.62% | 5.31% | -533 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.78% | 1.04% | 1.17% | 0.74% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.26% | 13.72% | 13.42% | 13.49% | 13.79% | +53 bps | |
| Net Worth / Assets | 13.26% | 13.72% | 13.42% | 13.49% | 13.79% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.71% | 83.01% | 81.79% | 80.35% | 81.92% | +521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
North Augusta, SC · Charter 24410 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
Return on Assets
1.34%
Rank 65 of 435
Net Interest Margin
4.57%
Rank 10 of 435
Efficiency Ratio
67.92%
Rank 161 of 435
Equity / Assets
13.79%
Rank 60 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 0.55% | 0.81% | 1.14% | Beats 85% | 65 / 435 | |
| Return on Equity | 9.70% | 5.12% | 7.41% | 9.70% | Beats 75% | 109 / 435 | |
| Net Interest Margin | 4.57% | 3.01% | 3.39% | 3.75% | Beats 98% | 10 / 435 | |
| Efficiency Ratio | 67.92% | 65.25% | 71.39% | 77.86% | Beats 63% | 161 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.74% | 0.45% | 0.69% | 1.05% | Beats 46% | 236 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.79% | 9.81% | 10.84% | 12.63% | Beats 86% | 60 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.79% | 9.81% | 10.84% | 12.63% | Beats 86% | 60 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.92% | 78.33% | 88.38% | 95.61% | 33rd pctl | 293 / 435 | |
| Loans / Assets | 69.61% | 67.69% | 74.58% | 80.80% | 32nd pctl | 296 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||