Locoga
Valdosta, GA · Charter 13516 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$4.5MAssets
$2.7MLoans
$4.2MShares
$317KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 65% of credit unions under $1B in assets (rank 587 of 1683).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1662 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.22%
Rank 1,368 of 1,683
Net Interest Margin
4.11%
Rank 587 of 1,683
Efficiency Ratio
93.33%
Rank 1,470 of 1,682
Equity / Assets
7.09%
Rank 1,662 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.22% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,368 / 1,683 | | |
| Return on Equity | 3.15% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,195 / 1,681 | | |
| Net Interest Margin | 4.11% | 3.31% | 3.82% | 4.32% | Beats 65% | 587 / 1,683 | | |
| Efficiency Ratio | 93.33% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,470 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.35% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,285 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.09% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,662 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.09% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,662 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.21% | 52.61% | 69.38% | 83.50% | 41st pctl | 993 / 1,683 | | |
| Loans / Assets | 59.62% | 44.71% | 59.18% | 70.72% | 51st pctl | 827 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |