Savannah, GA · Charter 3800
NCUA · 4 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
25
Asset Quality
70
Profitability
28
Liquidity
66
Efficiency
12
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.
Savannah, GA · Charter 3800
NCUA · 4 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 | 0.31% | 0.40% | 0.37% | 0.33% | 0.30% | -1 bps | |
| Return on Equity | 2.89% | 3.71% | 3.51% | 3.11% | 2.87% | -2 bps | |
| Net Interest Margin | 3.91% | 3.84% | 3.69% | 3.70% | 3.52% | -39 bps | |
| Efficiency Ratio | 87.85% | 88.28% | 89.55% | 93.71% | 94.15% | +630 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.89% | 6.04% | 7.38% | 4.43% | 6.10% | +322 bps | |
| Loan Growth (YoY) | 9.83% | 14.45% | 9.43% | -3.35% | 6.16% | -367 bps | |
| Share Growth (YoY) | 3.00% | 4.48% | 8.36% | 4.90% | 6.60% | +361 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.54% | 0.57% | 0.33% | 0.34% | +6 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 | 10.74% | 10.74% | 10.47% | 10.57% | 10.38% | -36 bps | |
| Net Worth / Assets | 10.74% | 10.74% | 10.47% | 10.57% | 10.38% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.33% | 79.07% | 73.27% | 72.51% | 77.01% | -32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Savannah, GA · Charter 3800 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.30%
Rank 1,312 of 1,683
Net Interest Margin
3.52%
Rank 1,102 of 1,683
Efficiency Ratio
94.13%
Rank 1,489 of 1,682
Equity / Assets
10.38%
Rank 1,270 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,312 / 1,683 | |
| Return on Equity | 2.87% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,231 / 1,681 | |
| Net Interest Margin | 3.52% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,102 / 1,683 | |
| Efficiency Ratio | 94.13% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,489 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 514 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.38% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,270 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.38% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,270 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.01% | 52.61% | 69.38% | 83.50% | 64th pctl | 604 / 1,683 | |
| Loans / Assets | 67.94% | 44.71% | 59.18% | 70.72% | 69th pctl | 522 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||