Augusta County

VERONA, VA · 1 · Charter #11744 · www.augustacountyfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$25.3M
70th percentile
Members
2,379
75th percentile
Total loans
$9.7M
65th percentile
Total shares
$18.5M
65th percentile

Profitability

Return on assets
2.19%
93th percentile
Net interest margin
3.86%
46th percentile
Efficiency ratio
38.48%
94th percentile
Non-interest income ratio
8.93%
49th percentile

Capital & Risk

Net worth ratio
25.67%
87th percentile
Delinquency rate
0.96%
43th percentile
Net charge-off rate
-0.04%
94th percentile
Loan-to-share
52.65%
38th percentile

Growth

Member growth YoY
-1.41%
50th percentile
Asset growth YoY
6.12%
80th percentile
Loan growth YoY
-2.16%
54th percentile
Share growth YoY
4.93%
75th percentile

Operations

Members / branch
2,379
85th percentile
Assets / member
$10,651
62th percentile
Field of membership penetration
33.99%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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