Locoga

Valdosta, GA · 1 · Charter #13516 · www.locogafcu.com
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
$4.4M
22th percentile
Members
668
24th percentile
Total loans
$2.7M
29th percentile
Total shares
$4.1M
25th percentile

Profitability

Return on assets
-2.50%
3th percentile
Net interest margin
4.40%
66th percentile
Efficiency ratio
116.29%
3th percentile
Non-interest income ratio
1.01%
14th percentile

Capital & Risk

Net worth ratio
7.12%
2th percentile
Delinquency rate
0.10%
77th percentile
Net charge-off rate
1.18%
13th percentile
Loan-to-share
66.50%
59th percentile

Growth

Member growth YoY
-4.16%
23th percentile
Asset growth YoY
-6.52%
12th percentile
Loan growth YoY
1.93%
70th percentile
Share growth YoY
-4.67%
22th percentile

Operations

Members / branch
334
15th percentile
Assets / member
$6,544
27th percentile
Field of membership penetration
66.80%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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