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Augusta Vah

Augusta, GA · Charter 9029

NCUA · 4 branches

Q4 2018

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: Q4 2018, the quarter ended December 31, 2018, 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

Augusta Vah

Augusta, GA · Charter 9029

NCUA · 4 branches

Q4 2018

$71.7MAssets
$39.9MLoans
$60.5MShares
$10.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.10%, up 89 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 3.05% of loans (+120 bps YoY).
  • Capital: net worth / assets of 14.73%, up 102 bps from a year ago.
  • Funding: loans stand at 65.95% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

1.10%+89 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+7 bps YoY

Efficiency Ratio (YTD, annualized)

69.92%-1,107 bps YoY

Net Worth / Assets

14.73%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.20%0.28%0.20%0.85%1.10%+89 bps
Return on Equity1.49%2.09%1.45%5.89%7.45%+595 bps
Net Interest Margin3.79%3.67%3.71%3.87%3.86%+7 bps
Efficiency Ratio80.99%81.51%81.56%72.07%69.92%-1,107 bps
Growth
Asset Growth (YoY)6.18%4.28%3.68%0.00%0.58%-559 bps
Loan Growth (YoY)-3.44%-1.69%-2.11%-5.21%-6.14%-270 bps
Share Growth (YoY)7.11%4.56%4.33%-0.66%-0.68%-778 bps
Asset Quality
Delinquent Loans / Loans1.84%1.78%1.88%2.17%3.05%+120 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.15%1.31%1.36%1.43%1.28%+13 bps
Capital
Risk-Based Capital13.72%13.52%13.47%14.37%14.73%+102 bps
Net Worth / Assets13.72%13.52%13.47%14.37%14.73%+102 bps
Liquidity & Funding
Loans / Shares69.78%68.43%67.32%68.35%65.95%-384 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps