PackageTrendsPeer
Letter portraitLegal landscape

Health Center

Augusta, GA · Charter 67399

NCUA · 2 branches

Q2 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2023, the quarter ended June 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Health Center

Augusta, GA · Charter 67399

NCUA · 2 branches

Q2 2023

$71.4MAssets
$41.3MLoans
$64.3MShares
$5.2MNet Worth

Executive Summary

  • Earnings: ROA of -3.20%, down 377 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.90% of loans (-10 bps YoY).
  • Capital: net worth / assets of 7.21%, down 84 bps from a year ago.
  • Funding: loans stand at 64.17% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

-3.20%-377 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+62 bps YoY

Efficiency Ratio (YTD, annualized)

163.23%+8,196 bps YoY

Net Worth / Assets

7.21%-84 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.52%0.41%-0.04%0.57%0.65%0.68%0.50%-3.20%-377 bps
Return on Equity6.30%5.08%-0.49%7.12%7.82%7.70%5.73%-44.37%-5,149 bps
Net Interest Margin3.00%2.96%2.93%2.92%3.03%3.20%3.42%3.54%+62 bps
Efficiency Ratio89.07%89.14%85.68%81.26%80.30%79.80%82.96%163.23%+8,196 bps
Growth
Asset Growth (YoY)15.39%14.05%8.06%7.28%5.39%0.17%-2.08%-4.76%-1,204 bps
Loan Growth (YoY)13.28%10.59%8.59%8.63%12.24%12.93%12.59%4.96%-367 bps
Share Growth (YoY)16.81%15.32%8.01%7.29%4.59%-1.15%-4.49%-4.93%-1,222 bps
Asset Quality
Delinquent Loans / Loans0.31%0.92%0.62%1.00%0.69%0.85%0.76%0.90%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.25%0.38%0.62%0.58%0.64%0.68%0.69%0.88%+30 bps
Capital
Risk-Based Capital8.22%8.12%7.85%8.05%8.31%8.77%8.81%7.21%-84 bps
Net Worth / Assets8.22%8.12%7.85%8.05%8.31%8.77%8.81%7.21%-84 bps
Liquidity & Funding
Loans / Shares57.23%57.83%56.07%58.13%61.42%66.07%66.10%64.17%+605 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps