North Georgia

Toccoa, GA · 2 · Charter #67395 · www.ngcu.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
$116.4M
55th percentile
Members
11,544
77th percentile
Total loans
$88.1M
69th percentile
Total shares
$99.4M
55th percentile

Profitability

Return on assets
1.00%
48th percentile
Net interest margin
4.52%
89th percentile
Efficiency ratio
70.75%
24th percentile
Non-interest income ratio
22.49%
75th percentile

Capital & Risk

Net worth ratio
11.36%
40th percentile
Delinquency rate
0.48%
67th percentile
Net charge-off rate
0.36%
46th percentile
Loan-to-share
88.64%
84th percentile

Growth

Member growth YoY
-4.88%
12th percentile
Asset growth YoY
10.73%
90th percentile
Loan growth YoY
8.47%
82th percentile
Share growth YoY
8.93%
84th percentile

Operations

Members / branch
2,309
30th percentile
Assets / member
$10,086
15th percentile
Field of membership penetration
12.69%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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