AUGUSTA COUNTY
Charter #11744 | VA
<100M
(2596 CUs)
Micro
($0-$500M)
49 <100M in VA
AUGUSTA COUNTY has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.67% above tier average
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
- + Efficiency Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.02% above tier average
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,394
-2.4% YoY-0.9% QoQ
|
-231 |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
58th in tier |
| Assets |
$25.1M
+2.8% YoY+2.4% QoQ
|
$-4.7M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
54th in tier |
| Loans |
$10.0M
-0.8% YoY+1.1% QoQ
|
$-5.8M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
51st in tier |
| Deposits |
$18.6M
+0.5% YoY+3.0% QoQ
|
$-6.9M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
50th in tier |
| ROA |
2.4%
+118.0% YoY-1.5% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Top 4.9% in tier |
| NIM |
4.0%
+41.8% YoY-2.1% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
56th in tier |
| Efficiency Ratio |
48.3%
-25.8% YoY-0.1% QoQ
|
-33.1% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate |
1.5%
+30.1% YoY+329.9% QoQ
|
+0.0 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
73rd in tier |
| Loan To Share |
53.7%
-1.3% YoY-1.8% QoQ
|
-7.6% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$11,908
+2.5% YoY+3.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
39th in tier |
| CD Concentration |
26.8%
+7.2% YoY+1.2% QoQ
|
+2.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
124
Net Charge-Off Rate
risk
Value:
-0.08%
Peer Avg: 0.57%
#124 of 2596
Top 4.7% in <100M tier
127
Return on Assets (ROA)
profitability
Value:
2.36%
Peer Avg: 0.68%
#127 of 2596
Top 4.9% in <100M tier
147
Efficiency Ratio
profitability
Value:
48.34%
Peer Avg: 81.39%
#147 of 2596
Top 5.6% in <100M tier
274
Net Worth Ratio
risk
Value:
25.45%
Peer Avg: 16.43%
#274 of 2596
Top 10.5% in <100M tier
445
Members Per Employee (MPE)
engagement
Value:
478.800
Peer Avg: 365.701
#445 of 2596
Top 17.1% in <100M tier
Top Weaknesses (1 metrics)
2038
Share Certificate Concentration (%)
balance_sheet
Value:
26.77%
Peer Avg: 15.37%
#2038 of 2596
Bottom 21.5% in <100M tier