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Letter portraitLegal landscapeQuarterYTD

Augusta Health Care Credit Union

Fishersville, VA · Charter 66933

NCUA · 1 branch

Q2 2026

$15.2MAssets
$5.8MLoans
$12.0MShares
$3.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.46%, down 30 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.61% of loans (+50 bps YoY).
  • Capital: net worth / assets of 21.10%, up 195 bps from a year ago.
  • Funding: loans stand at 48.78% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.46%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-1 bps YoY

Efficiency Ratio (YTD, annualized)

61.89%+598 bps YoY

Net Worth / Assets

21.10%+195 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%2.09%1.83%1.76%1.78%1.72%1.58%1.46%-30 bps
Return on Equity10.56%10.59%9.33%9.19%8.88%8.13%7.48%6.90%-229 bps
Net Interest Margin3.81%3.79%3.49%3.38%3.56%3.68%3.48%3.38%-1 bps
Efficiency Ratio54.59%53.42%55.82%55.91%57.07%60.26%61.16%61.89%+598 bps
Growth
Asset Growth (YoY)-0.61%0.13%0.56%9.41%5.43%1.32%0.17%-2.39%-1,179 bps
Loan Growth (YoY)-3.24%-1.83%3.39%-4.28%-0.52%4.12%2.12%9.20%+1,348 bps
Share Growth (YoY)-3.21%-2.27%-1.63%9.25%4.40%-0.53%-1.82%-4.74%-1,399 bps
Asset Quality
Delinquent Loans / Loans0.16%0.32%0.17%0.11%0.06%0.13%0.04%0.61%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.19%19.70%19.56%19.15%20.08%21.16%21.16%21.10%+195 bps
Net Worth / Assets19.19%19.70%19.56%19.15%20.08%21.16%21.16%21.10%+195 bps
Liquidity & Funding
Loans / Shares47.34%47.33%46.91%42.55%45.11%49.54%48.79%48.78%+623 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps