AUGUSTA COUNTY
Charter #11744 · VERONA, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.93% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.86% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.50% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.07% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 54.58% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AUGUSTA COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.54M | 51th pct | 77th pct |
| Members | 2,386 | 60th pct | 69th pct |
| Net worth ratio | 25.93% | 95th pct | 77th pct |
| Return on average assets | 1.86% | 93th pct | 80th pct |
| Net interest margin | 3.63% | 39th pct | 38th pct |
| Cost of funds | 1.50% | 78th pct | 75th pct |
| Loan-to-share | 50.98% | 40th pct | 44th pct |
| Delinquency 60+ days | 1.34% | 75th pct | 74th pct |
| Net charge-off ratio | -0.07% | 11th pct | 15th pct |
| Loan growth YoY | -4.59% | 33th pct | 41th pct |
| Share growth YoY | 0.47% | 30th pct | 31th pct |
| Efficiency ratio | 54.58% | 5th pct | 13th pct |
structural peer set hash: 716c3f19520375db372022d3a1ebcfe4… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.