Ware County School Employees

WAYCROSS, GA · 1 · Charter #15265 · www.warecountyschoolemployee
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
$6.3M
30th percentile
Members
795
29th percentile
Total loans
$4.3M
39th percentile
Total shares
$5.4M
32th percentile

Profitability

Return on assets
0.83%
51th percentile
Net interest margin
3.06%
21th percentile
Efficiency ratio
46.33%
87th percentile
Non-interest income ratio
3.34%
26th percentile

Capital & Risk

Net worth ratio
13.53%
41th percentile
Delinquency rate
0.03%
82th percentile
Net charge-off rate
0.03%
70th percentile
Loan-to-share
78.20%
74th percentile

Growth

Member growth YoY
-0.50%
61th percentile
Asset growth YoY
0.65%
46th percentile
Loan growth YoY
-4.00%
46th percentile
Share growth YoY
-0.21%
45th percentile

Operations

Members / branch
795
38th percentile
Assets / member
$7,911
38th percentile
Field of membership penetration
77.71%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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