Georgia Heritage

SAVANNAH, GA · 1 · Charter #3800 · www.gaheritagefcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$160.7M
76th percentile
Members
15,164
90th percentile
Total loans
$104.1M
78th percentile
Total shares
$142.1M
78th percentile

Profitability

Return on assets
0.53%
18th percentile
Net interest margin
3.69%
52th percentile
Efficiency ratio
73.99%
16th percentile
Non-interest income ratio
22.52%
75th percentile

Capital & Risk

Net worth ratio
10.47%
28th percentile
Delinquency rate
0.57%
60th percentile
Net charge-off rate
0.38%
45th percentile
Loan-to-share
73.27%
60th percentile

Growth

Member growth YoY
0.26%
62th percentile
Asset growth YoY
7.38%
78th percentile
Loan growth YoY
9.43%
85th percentile
Share growth YoY
8.36%
83th percentile

Operations

Members / branch
3,791
66th percentile
Assets / member
$10,595
18th percentile
Field of membership penetration
3.57%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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