Savannah, GA · Charter 67364
NCUA · 1 branch
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
67
Asset Quality
2
Profitability
55
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.
Savannah, GA · Charter 67364
NCUA · 1 branch
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 | 1.45% | 1.37% | 1.76% | 1.43% | 1.31% | 0.46% | 0.50% | 0.57% | -85 bps | |
| Return on Equity | 10.12% | 9.38% | 11.85% | 9.29% | 8.26% | 2.91% | 3.34% | 3.81% | -548 bps | |
| Net Interest Margin | 4.98% | 5.03% | 5.39% | 5.26% | 5.38% | 5.51% | 5.29% | 5.27% | +1 bps | |
| Efficiency Ratio | 67.59% | 69.13% | 70.16% | 71.00% | 73.68% | 72.21% | 74.63% | 73.40% | +240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.40% | -1.95% | 0.77% | -3.75% | -2.23% | -3.98% | 0.07% | 1.29% | +504 bps | |
| Loan Growth (YoY) | 11.34% | 8.93% | 12.59% | 13.62% | 7.64% | 6.52% | -0.42% | -4.16% | -1,778 bps | |
| Share Growth (YoY) | -5.97% | -2.71% | -1.29% | -5.97% | -3.93% | -4.94% | 0.53% | 2.28% | +825 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.03% | 5.13% | 3.16% | 5.84% | 4.50% | 3.88% | 1.75% | 5.80% | -3 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.30% | 14.64% | 14.82% | 15.37% | 15.85% | 15.66% | 14.89% | 15.05% | -32 bps | |
| Net Worth / Assets | 14.30% | 14.64% | 14.82% | 15.37% | 15.85% | 15.66% | 14.89% | 15.05% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.66% | 60.28% | 61.59% | 65.04% | 65.73% | 67.55% | 61.01% | 60.95% | -410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Savannah, GA · Charter 67364 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.57%
Rank 1,050 of 1,683
Net Interest Margin
5.27%
Rank 99 of 1,683
Efficiency Ratio
73.46%
Rank 615 of 1,682
Equity / Assets
15.05%
Rank 548 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,050 / 1,683 | ||
| Return on Equity | 3.78% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,120 / 1,681 | ||
| Net Interest Margin | 5.27% | 3.31% | 3.82% | 4.32% | Beats 94% | 99 / 1,683 | ||
| Efficiency Ratio | 73.46% | 68.91% | 78.20% | 86.93% | Beats 63% | 615 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.80% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,642 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.05% | 10.44% | 12.89% | 16.53% | Beats 67% | 548 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.05% | 10.44% | 12.89% | 16.53% | Beats 67% | 548 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.95% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,073 / 1,683 | ||
| Loans / Assets | 51.20% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,080 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||