Flint River Employees

Oglethorpe, GA · 1 · Charter #23908
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
$1.7M
10th percentile
Members
368
13th percentile
Total loans
$1.3M
17th percentile
Total shares
$972.3K
9th percentile

Profitability

Return on assets
-0.08%
14th percentile
Net interest margin
7.25%
99th percentile
Efficiency ratio
80.05%
23th percentile
Non-interest income ratio
3.87%
28th percentile

Capital & Risk

Net worth ratio
38.32%
97th percentile
Delinquency rate
0.17%
73th percentile
Net charge-off rate
-1.45%
99th percentile
Loan-to-share
131.95%
99th percentile

Growth

Member growth YoY
-3.16%
31th percentile
Asset growth YoY
0.29%
44th percentile
Loan growth YoY
0.19%
63th percentile
Share growth YoY
-5.54%
18th percentile

Operations

Members / branch
184
7th percentile
Assets / member
$4,569
14th percentile
Field of membership penetration
92.00%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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