Augusta, GA · Charter 24683
NCUA · 2 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
35
Profitability
30
Liquidity
80
Efficiency
7
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.
Augusta, GA · Charter 24683
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.30% | -0.88% | -0.28% | -0.07% | -0.10% | -1.54% | -5.02% | -474 bps | |
| Return on Equity | 12.56% | 3.20% | -9.28% | -2.83% | -0.74% | -0.94% | -15.31% | -59.07% | -5,623 bps | |
| Net Interest Margin | 4.93% | 5.08% | 4.67% | 4.87% | 4.83% | 4.95% | 4.66% | 4.84% | -3 bps | |
| Efficiency Ratio | 83.62% | 84.02% | 100.66% | 97.58% | 94.43% | 95.41% | 101.81% | 100.74% | +317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | -4.17% | -10.68% | -11.32% | -10.18% | -8.68% | -8.46% | -9.39% | +193 bps | |
| Loan Growth (YoY) | 14.56% | 13.62% | 0.68% | -5.47% | -7.08% | -8.31% | -15.02% | -18.70% | -1,323 bps | |
| Share Growth (YoY) | -2.35% | -4.69% | -11.43% | -12.21% | -10.71% | -9.55% | -9.10% | -8.62% | +359 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.17% | 3.58% | 1.89% | 3.32% | 5.11% | 5.69% | 3.81% | 0.98% | -234 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.05% | 0.55% | 0.63% | 0.65% | 0.70% | 0.85% | 1.53% | 2.23% | +158 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.72% | 9.50% | 9.45% | 9.93% | 10.07% | 10.31% | 10.08% | 8.50% | -143 bps | |
| Net Worth / Assets | 9.72% | 9.50% | 9.45% | 9.93% | 10.07% | 10.31% | 10.08% | 8.50% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.42% | 69.14% | 70.74% | 70.93% | 68.08% | 70.08% | 66.13% | 63.10% | -783 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Augusta, GA · Charter 24683 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-5.01%
Rank 1,669 of 1,683
Net Interest Margin
4.81%
Rank 199 of 1,683
Efficiency Ratio
101.04%
Rank 1,568 of 1,682
Equity / Assets
8.50%
Rank 1,570 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -5.01% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,669 / 1,683 | ||
| Return on Equity | -58.96% | 2.67% | 5.89% | 8.74% | Beats 0% | 1,673 / 1,681 | ||
| Net Interest Margin | 4.81% | 3.31% | 3.82% | 4.32% | Beats 88% | 199 / 1,683 | ||
| Efficiency Ratio | 101.04% | 68.91% | 78.20% | 86.93% | Beats 7% | 1,568 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,095 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.50% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,570 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.50% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,570 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.12% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,018 / 1,683 | ||
| Loans / Assets | 56.86% | 44.71% | 59.18% | 70.72% | 45th pctl | 923 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||