Savannah, GA · Charter 9408
NCUA · 2 branches
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
34
Asset Quality
25
Profitability
27
Liquidity
0
Efficiency
20
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 9408
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.13% | 1.03% | 0.25% | 0.31% | -73 bps | |
| Return on Equity | 9.53% | 10.03% | 8.98% | 2.17% | 2.76% | -678 bps | |
| Net Interest Margin | 3.70% | 3.72% | 3.70% | 3.50% | 3.50% | -20 bps | |
| Efficiency Ratio | 82.27% | 81.72% | 82.59% | 92.98% | 88.90% | +663 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.63% | 0.94% | 2.81% | 1.70% | 2.95% | +132 bps | |
| Loan Growth (YoY) | -6.62% | -4.65% | -3.97% | -0.05% | 2.22% | +884 bps | |
| Share Growth (YoY) | 1.41% | 0.86% | 1.97% | 0.75% | 2.74% | +132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 1.02% | 1.05% | 0.91% | 1.29% | +23 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.96% | 11.28% | 11.50% | 11.31% | 11.29% | +33 bps | |
| Net Worth / Assets | 10.96% | 11.28% | 11.50% | 11.31% | 11.29% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.50% | 34.33% | 34.71% | 33.53% | 34.33% | -17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Savannah, GA · Charter 9408 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.31%
Rank 1,302 of 1,683
Net Interest Margin
3.50%
Rank 1,126 of 1,683
Efficiency Ratio
88.96%
Rank 1,348 of 1,682
Equity / Assets
11.29%
Rank 1,104 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,302 / 1,683 | |
| Return on Equity | 2.77% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,244 / 1,681 | |
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,126 / 1,683 | |
| Efficiency Ratio | 88.96% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,348 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.29% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,263 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.29% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,104 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.29% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,104 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.33% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,563 / 1,683 | |
| Loans / Assets | 30.07% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,550 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||