Stephens County Community
Toccoa, GA · Charter 20890 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$155KAssets
$22KLoans
$133KShares
$22KNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 100% of credit unions under $1B in assets (rank 4 of 1683).
- Widest gap: nonperforming loans / loans trails 100% of credit unions under $1B in assets (rank 1676 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
3.87%
Rank 4 of 1,683
Net Interest Margin
3.87%
Rank 797 of 1,683
Efficiency Ratio
0.00%
Rank 1 of 1,682
Equity / Assets
14.19%
Rank 645 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.87% | 0.35% | 0.74% | 1.18% | Beats 100% | 4 / 1,683 | | |
| Return on Equity | 27.27% | 2.67% | 5.89% | 8.74% | Beats 100% | 5 / 1,681 | | |
| Net Interest Margin | 3.87% | 3.31% | 3.82% | 4.32% | Beats 53% | 797 / 1,683 | | |
| Efficiency Ratio | 0.00% | 68.91% | 78.20% | 86.93% | Beats 100% | 1 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 13.64% | 0.26% | 0.65% | 1.29% | Beats 0% | 1,676 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.19% | 10.44% | 12.89% | 16.53% | Beats 62% | 645 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.19% | 10.44% | 12.89% | 16.53% | Beats 62% | 645 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 16.54% | 52.61% | 69.38% | 83.50% | 1st pctl | 1,660 / 1,683 | | |
| Loans / Assets | 14.19% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,657 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |