Georgia Guard

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

$3.7M

20^th percentile

Members

704

25^th percentile

Total loans

$2.4M

26^th percentile

Total shares

$3.4M

22^th percentile

Profitability

Return on assets

3.12%

98^th percentile

Net interest margin

5.89%

94^th percentile

Efficiency ratio

67.37%

48^th percentile

Non-interest income ratio

42.32%

97^th percentile

Capital & Risk

Net worth ratio

9.51%

13^th percentile

Delinquency rate

6.83%

4^th percentile

Net charge-off rate

0.80%

21^th percentile

Loan-to-share

72.25%

66^th percentile

Growth

Member growth YoY

-1.12%

53^th percentile

Asset growth YoY

6.28%

81^th percentile

Loan growth YoY

-8.82%

28^th percentile

Share growth YoY

4.52%

72^th percentile

Operations

Members / branch

352

16^th percentile

Assets / member

$5,313

18^th percentile

Field of membership penetration

5.87%

19^th percentile

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