Savannah, GA · Charter 67892
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
89
Asset Quality
100
Profitability
66
Liquidity
0
Efficiency
100
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 67892
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 | 0.98% | 1.08% | 1.60% | 1.77% | 1.86% | 1.85% | 2.15% | 2.25% | +48 bps | |
| Return on Equity | 5.20% | 5.66% | 8.09% | 9.00% | 9.52% | 9.43% | 10.71% | 10.81% | +181 bps | |
| Net Interest Margin | 1.64% | 1.76% | 2.49% | 2.58% | 2.62% | 2.62% | 2.93% | 3.03% | +45 bps | |
| Efficiency Ratio | 44.42% | 43.93% | 32.35% | 30.95% | 29.37% | 32.65% | 28.72% | 28.06% | -289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.12% | 5.14% | -0.06% | 4.24% | 5.53% | 7.96% | 9.64% | 5.19% | +95 bps | |
| Loan Growth (YoY) | 15.16% | 12.38% | 7.77% | 9.51% | 7.03% | 6.18% | 5.25% | 0.38% | -913 bps | |
| Share Growth (YoY) | 7.76% | 4.82% | -1.65% | 3.39% | 4.15% | 7.60% | 9.28% | 3.54% | +16 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 18.85% | 19.14% | 19.83% | 19.66% | 19.60% | 19.57% | 20.10% | 20.83% | +117 bps | |
| Net Worth / Assets | 18.85% | 19.14% | 19.83% | 19.66% | 19.60% | 19.57% | 20.10% | 20.83% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.44% | 99.63% | 102.46% | 105.03% | 101.16% | 98.31% | 98.68% | 101.83% | -321 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 67892 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.25%
Rank 50 of 1,683
Net Interest Margin
3.03%
Rank 1,434 of 1,683
Efficiency Ratio
28.08%
Rank 4 of 1,682
Equity / Assets
20.83%
Rank 192 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.25% | 0.35% | 0.74% | 1.18% | Beats 97% | 50 / 1,683 | ||
| Return on Equity | 10.81% | 2.67% | 5.89% | 8.74% | Beats 87% | 216 / 1,681 | ||
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,434 / 1,683 | ||
| Efficiency Ratio | 28.08% | 68.91% | 78.20% | 86.93% | Beats 100% | 4 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.83% | 10.44% | 12.89% | 16.53% | Beats 89% | 192 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.83% | 10.44% | 12.89% | 16.53% | Beats 89% | 192 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.83% | 52.61% | 69.38% | 83.50% | 97th pctl | 47 / 1,683 | ||
| Loans / Assets | 80.43% | 44.71% | 59.18% | 70.72% | 92nd pctl | 129 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||