PackageTrendsPeer
Letter portraitLegal landscape

Savannah Schools

Savannah, GA · Charter 9408

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

34

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

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.

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

Savannah Schools

Savannah, GA · Charter 9408

NCUA · 2 branches

Q2 2026

$45.4MAssets
$13.7MLoans
$39.8MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, down 73 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 1.29% of loans (+23 bps YoY).
  • Capital: net worth / assets of 11.29%, up 33 bps from a year ago.
  • Funding: loans stand at 34.33% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.31%-73 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-20 bps YoY

Efficiency Ratio (YTD, annualized)

88.90%+663 bps YoY

Net Worth / Assets

11.29%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.14%0.99%1.04%1.13%1.03%0.25%0.31%-73 bps
Return on Equity8.33%1.32%9.33%9.53%10.03%8.98%2.17%2.76%-678 bps
Net Interest Margin4.21%4.24%3.61%3.70%3.72%3.70%3.50%3.50%-20 bps
Efficiency Ratio68.90%70.78%86.09%82.27%81.72%82.59%92.98%88.90%+663 bps
Growth
Asset Growth (YoY)2.12%-0.91%1.66%1.63%0.94%2.81%1.70%2.95%+132 bps
Loan Growth (YoY)0.67%-1.00%-6.75%-6.62%-4.65%-3.97%-0.05%2.22%+884 bps
Share Growth (YoY)0.95%-0.99%1.75%1.41%0.86%1.97%0.75%2.74%+132 bps
Asset Quality
Delinquent Loans / Loans4.11%4.19%1.39%1.06%1.02%1.05%0.91%1.29%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.09%10.76%10.67%10.96%11.28%11.50%11.31%11.29%+33 bps
Net Worth / Assets11.09%10.76%10.67%10.96%11.28%11.50%11.31%11.29%+33 bps
Liquidity & Funding
Loans / Shares36.32%36.85%33.80%34.50%34.33%34.71%33.53%34.33%-17 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Savannah Schools

Savannah, GA · Charter 9408 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$45.4MAssets
$13.7MLoans
$39.8MShares
$5.1MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 34% of credit unions under $1B in assets (rank 1104 of 1683).
  • Widest gap: efficiency ratio trails 80% of credit unions under $1B in assets (rank 1348 of 1682).
  • Overall: at or above the peer median on 0 of 7 directional measures.

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.31%0.35%0.74%1.18%Beats 23%1,302 / 1,683
Return on Equity2.77%2.67%5.89%8.74%Beats 26%1,244 / 1,681
Net Interest Margin3.50%3.31%3.82%4.32%Beats 33%1,126 / 1,683
Efficiency Ratio88.96%68.91%78.20%86.93%Beats 20%1,348 / 1,682
Asset Quality
Nonperforming Loans / Loans1.29%0.26%0.65%1.29%Beats 25%1,263 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.29%10.44%12.89%16.53%Beats 34%1,104 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.29%10.44%12.89%16.53%Beats 34%1,104 / 1,683
Liquidity & Funding
Loans / Deposits34.33%52.61%69.38%83.50%7th pctl1,563 / 1,683
Loans / Assets30.07%44.71%59.18%70.72%8th pctl1,550 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution