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Joe Koziol

Date Course Tee Slope Rating Score Equation Differential
Aug. 19, 2026 Stumpy Lake Golf Course Green 108 65.6 88 (88 - 65.6) x 113 ÷ 108 = 23.4
Aug. 12, 2026 Kiln Creek Golf Course Green 116 65.3 95 (95 - 65.3) x 113 ÷ 116 = 28.9
July 1, 2026 Red Wing Lake Golf Course Gold 110 66.4 84 (84 - 66.4) x 113 ÷ 110 = 18.1
June 24, 2026 Ocean View Golf Course Black 111 66.0 92 (92 - 66.0) x 113 ÷ 111 = 26.5
June 17, 2026 Kempsville Greens Golf Course Gold 113 64.0 85 (85 - 64.0) x 113 ÷ 113 = 21.0
June 10, 2026 Cypress Creek Golfers' Club Gold 119 66.3 91 (91 - 66.3) x 113 ÷ 119 = 23.5
June 3, 2026 Stumpy Lake Golf Course Green 108 65.6 85 (85 - 65.6) x 113 ÷ 108 = 20.3
May 27, 2026 Sewells Point Golf Course Yellow 112 65.1 94 (94 - 65.1) x 113 ÷ 112 = 29.2
May 20, 2026 Chesapeake Golf Club White 118 65.2 94 (94 - 65.2) x 113 ÷ 118 = 27.6
April 22, 2026 Bide-A-Wee Golf Course Yellow 115 65.3 87 (87 - 65.3) x 113 ÷ 115 = 21.3
April 15, 2026 Battlefield Golf Club Gold 116 65.6 86 (86 - 65.6) x 113 ÷ 116 = 19.9
April 8, 2026 Honey Bee Golf Club White 116 65.3 92 (92 - 65.3) x 113 ÷ 116 = 26.0
Oct. 15, 2025 Battlefield Golf Club Gold 116 65.6 93 (93 - 65.6) x 113 ÷ 116 = 26.7
Oct. 1, 2025 Virginia Beach National Golf Club Gold 115 65.9 90 (90 - 65.9) x 113 ÷ 115 = 23.7
Sept. 17, 2025 Bide-A-Wee Golf Course Yellow 115 65.3 97 (97 - 65.3) x 113 ÷ 115 = 31.1
Sept. 10, 2025 Red Wing Lake Golf Course Gold 110 66.4 92 (92 - 66.4) x 113 ÷ 110 = 26.3
Aug. 20, 2025 Ocean View Golf Course Black 111 66.0 92 (92 - 66.0) x 113 ÷ 111 = 26.5
Aug. 13, 2025 Bide-A-Wee Golf Course Yellow 115 65.3 86 (86 - 65.3) x 113 ÷ 115 = 20.3
Aug. 6, 2025 X - Eagle Haven Golf Course White 123 68.7 99 (99 - 68.7) x 113 ÷ 123 = 27.8
July 9, 2025 Bide-A-Wee Golf Course Yellow 115 65.3 93 (93 - 65.3) x 113 ÷ 115 = 27.2

Then we use the 8 lowest differentials according to this USGA table:

We add the lowest 8 differentials together, which are 18.1, 19.9, 20.3, 20.3, 21.0, 21.3, 23.4, 23.5, and get 167.79999999999998.
Then we take that total and get the average differential score 167.79999999999998 ÷ 8 = 20.974999999999998
Lastly we lop off all numbers past the first decimal point and we get

Your handicap Index: 20.9