Flint River Employees
Oglethorpe, GA · Charter 23908 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$1.7MAssets
$1.1MLoans
$1.1MShares
$654KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions under $1B in assets (rank 13 of 1683).
- Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets (rank 1621 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.81%
Rank 768 of 1,683
Net Interest Margin
6.98%
Rank 13 of 1,683
Efficiency Ratio
113.11%
Rank 1,621 of 1,682
Equity / Assets
38.05%
Rank 19 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 768 / 1,683 | |
| Return on Equity | 2.14% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,332 / 1,681 | |
| Net Interest Margin | 6.98% | 3.31% | 3.82% | 4.32% | Beats 99% | 13 / 1,683 | |
| Efficiency Ratio | 113.11% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,621 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 427 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 38.05% | 10.44% | 12.89% | 16.53% | Beats 99% | 19 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 38.05% | 10.44% | 12.89% | 16.53% | Beats 99% | 19 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 106.45% | 52.61% | 69.38% | 83.50% | 98th pctl | 28 / 1,683 | |
| Loans / Assets | 65.33% | 44.71% | 59.18% | 70.72% | 63rd pctl | 620 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |