Augusta County Federal Credit Union
Total assets
$25.5M
▲ +4.8% YoY
Shares & deposits
$18.6M
▲ +3.5% YoY
Loans
$9.5M
▼ -3.0% YoY
Members
2,386
▼ -0.8% YoY
ROA (annualized)
1.85%
peers 0.60%
ROE (annualized)
7.15%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.7 pts |
| ROA | 1.85% | 0.60% | +1.2 pts |
| ROE | 7.1% | 4.1% | +3.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- P O Box 590, Verona, VA, 24482
- NCUA charter #
- 11744
- RSSD ID
- 869083
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.5M | $18.6M | $9.5M | $6.6M | $118K | 1.85% | 3.62% | 1.34% | 2,386 |
| Q4 2025 | $25.3M | $18.5M | $9.7M | $6.5M | $550K | 2.17% | 3.86% | 0.96% | 2,379 |
| Q3 2025 | $25.1M | $18.6M | $10.0M | $6.4M | $439K | 2.33% | 4.00% | 1.53% | 2,394 |
| Q2 2025 | $24.5M | $18.0M | $9.8M | $6.2M | $293K | 2.39% | 4.12% | 0.36% | 2,416 |
| Q1 2025 | $24.4M | $18.0M | $9.8M | $6.1M | $137K | 2.25% | 3.96% | 0.69% | 2,405 |
| Q4 2024 | $23.9M | $17.6M | $10.0M | $6.0M | $332K | 1.39% | 3.24% | 0.53% | 2,413 |
| Q3 2024 | $24.4M | $18.5M | $10.0M | $5.8M | $197K | 1.07% | 2.83% | 1.17% | 2,452 |
| Q2 2024 | $24.1M | $18.1M | $10.0M | $5.7M | $103K | 0.86% | 2.49% | 1.66% | 2,484 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.2M · securities $11.7M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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