Georgia's Own

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$4.4B

80^th percentile

Members

240,374

80^th percentile

Total loans

$3.1B

79^th percentile

Total shares

$3.5B

79^th percentile

Profitability

Return on assets

1.24%

67^th percentile

Net interest margin

3.56%

73^th percentile

Efficiency ratio

52.35%

47^th percentile

Non-interest income ratio

21.64%

72^th percentile

Capital & Risk

Net worth ratio

10.39%

41^th percentile

Delinquency rate

1.98%

5^th percentile

Net charge-off rate

1.29%

6^th percentile

Loan-to-share

88.79%

49^th percentile

Growth

Member growth YoY

-0.02%

25^th percentile

Asset growth YoY

4.73%

42^th percentile

Loan growth YoY

-2.97%

8^th percentile

Share growth YoY

-0.77%

8^th percentile

Operations

Members / branch

8,585

59^th percentile

Assets / member

$18,235

53^th percentile

Field of membership penetration

2.94%

29^th percentile

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