Stephens County Community

TOCCOA, GA · 1 · Charter #20890
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
$152.1K
1th percentile
Members
114
2th percentile
Total loans
$24.1K
2th percentile
Total shares
$132.8K
1th percentile

Profitability

Return on assets
0.21%
23th percentile
Net interest margin
1.22%
2th percentile
Efficiency ratio
37.98%
94th percentile
Non-interest income ratio
3.80%
28th percentile

Capital & Risk

Net worth ratio
12.35%
33th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
18.13%
4th percentile

Growth

Member growth YoY
-0.87%
56th percentile
Asset growth YoY
-0.82%
37th percentile
Loan growth YoY
5.88%
81th percentile
Share growth YoY
-0.80%
41th percentile

Operations

Members / branch
57
1th percentile
Assets / member
$1,334
2th percentile
Field of membership penetration
0.46%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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