PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Savannah Schools

Savannah, GA · Charter 9408

NCUA · 2 branches

Q2 2026

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

Financial Results

Return on Assets (quarter, annualized)

0.31%-73 bps YoY

Net Interest Margin (quarter, annualized)

3.50%-20 bps YoY

Efficiency Ratio (quarter, annualized)

88.90%+663 bps YoY

Net Worth / Assets

11.29%+33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.13%1.03%0.25%0.31%-73 bps
Return on Equity9.53%10.03%8.98%2.17%2.76%-678 bps
Net Interest Margin3.70%3.72%3.70%3.50%3.50%-20 bps
Efficiency Ratio82.27%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 / Loans1.06%1.02%1.05%0.91%1.29%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.96%11.28%11.50%11.31%11.29%+33 bps
Net Worth / Assets10.96%11.28%11.50%11.31%11.29%+33 bps
Liquidity & Funding
Loans / Shares34.50%34.33%34.71%33.53%34.33%-17 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps